What affects the price of Auto Insurance?

The price of auto insurance varies by company and by:

What kind of car you drive

If you are buying or selling a car, you will need to re-evaluate your auto insurance needs.

Generally, the more expensive the car, the more you pay.

Where you drive

Generally, due to higher rates of vandalism, theft and accidents, urban drivers pay more for insurance than those in small towns or rural areas.

How much you drive

People who use their car for business and long-distance commuting normally pay more than those who drive less.

Your age, sex and marital status

Accident rates are higher for all drivers under age 25, especially young males and single males.

Your driving record

Drivers who cause accidents generally must pay more than those who are accident-free for several years.

Your credit history

Studies have shown that credit history is a powerful predictor of future auto insurance losses. Many insurance companies consider certain credit characteristics in addition to many other factors when determining an individual's rate.

QUOTE YOUR AUTO BOAT OR MOTORCYCLE....and GET A RATE 24 hours a day !!

How much Auto Insurance do I need? 

Consider the following three questions
with the help of us:

1) How high should my liability coverage limits be?

No one can predict exactly how much you would have to pay if you were to cause an accident.

Ask yourself how you would pay for any damages exceeding your coverage limits.

The higher your liability coverage limits are, the more likely your policy will be able to pay all of the damages.

2) How high or low should my collision and comprehensive deductibles be?

Higher deductibles lower your premium but increase the amount you must pay out of your own pocket if a loss occurs.

Ask yourself how much you would be willing and able to pay on short notice in order to save on your premium.

3) Should I carry collision and comprehensive coverage?

You may be required to carry collision or comprehensive coverage if your vehicle is leased or financed.

Once you have paid off your car, and its value decreases, you might consider dropping these coverages to save money on premiums.

Consider, though, whether the savings would be enough to offset the risk of having to pay the entire cost of repairing or replacing the vehicle.