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Why did my car insurance double after I lost my vehicle to a hurricane?
I lost my vehicle to a hurricane last year. When I filed a claim, the car insurance company totaled out my 2016 Dodge Charger. I'm looking to purchase a vehicle again, but I wanted to get some insurance quotes first. The cheapest I can find is more than double what I paid before (over $500). Why did my insurance go up so much?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Natural disasters are a thorn in the side of insurance companies. They usually pay out billions of dollars and are saddled with losses in the process.
In your case, you’re probably just seeing an after-effect of the immense costs associated with the hurricane. Your insurer has to recoup their losses somehow, and one way to do this is to raise rates.
If you’re being quoted more than double what you paid before, even after shopping around, that might be a good indicator of what you’ll pay across the board. Still, you should keep shopping around for
cheap car insurance
, as $500 is probably more than your actual car note.If you still can’t find any reasonable rates, you might want to try buying a non-sports car to help lessen the blow of insurance costs.”
View full answer
- Gregory R.
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