How the Weather Influences Houston Car Insurance Rates

houston-car-insurance-ratesHave you ever stopped to consider how big of an influence Texas weather is on your Houston car insurance rates? If you haven’t, check out the following process. When you file for coverage with any particular car insurance provider in Houston TX, one of the first things they will want to know has to do with your accident track record. For insurers, whether or not you were the one at fault is less relevant than the number and value of claims you’ve filed thus far. Now, given the extreme nature of Texas weather, it only makes sense that most people living in the state have an increased likelihood of filing not-at-fault claims determined by the weather. And by ‘extreme’ we mean floods, hail, tornados, even the occasional hurricane, wildfires, and the like.

A study from the National Weather Service Storm Prediction Center has shown that Texas has had the highest number of such yearly events over the past three decades: 150 each year, more than any other U.S. state. Yet it’s not how often such phenomena occurs that drives the cost of car insurance upward, but how severe it is. This opens the door to assessing the risks of extreme weather on car insurance premiums and attempting to control how much you pay on your Houston car insurance rates.

Choose your address wisely

By and large, living in a big city like Houston will diminish your odds at being faced with at least some types of extreme weather. Wildfires, for instance, tend to happen far more often in rural Texas than in urban areas of the state. As such, before purchasing a home, check out the extreme weather patterns for the particular zone you’re interested in – it will help you save on Houston car insurance rates.

Plan out your living space to save on Houston car insurance rates

There are certain actions any homeowner can take, in order to minimize the risks of extreme weather conditions. For instance, if you choose to live in an area of Houston which has seen its fair share of strong winds, hail storms, and rainfall, it’s always a good idea to keep your yard clean, your trees trimmed, and all debris cleared. If not, intense winds could always pick up dead branches and other items and smash them into your car. Similarly, if you live in an area where wildfires have been known to happen, it’s probably wise to invest in a fire barrier, which can protect your car and home from rapidly advancing fires.

Stay connected

In the day and age of easy access to information, it has become less difficult to find out about extreme weather phenomena and prevent its devastating effects. The National Weather Service broadcasts relevant weather information 24/7, both online and through radio waves. However, it’s usually best not to rely on a strong internet connection in case of a storm – your best bet is an emergency, battery-operated radio. To make sure it will work when you most need it, keep a set of spare batteries handy, or make sure to replace its batteries at daylight saving time, both in spring and in fall.