The strong El Niño, which had a moderating influence on the recently concluded Atlantic Hurricane season, also could help tamp down discussions of polar vortexes this winter — and that's good news for homeowners.

But forecasters predict El Niño could bring cooler but wetter conditions in Southern states and above-average temperatures in the North. These weather conditions could contribute to an increase in car crashes — and that's bad news for motorists and insurers.

Unfortunately, this comes at a time when the number of Auto insurance claims is already increasing and claims are becoming more expensive. These trends affect what consumers care about the most when it comes to their Auto insurance: the cost.

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