Car Insurance

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Car Insurance

Affordable Prices and Excellent Service!

Car Insurance

Choosing the right car insurance coverage can be a complicated process for some people. There are different laws to comply with and different types of coverages to choose. With Liability limits, Uninsured Motorists, Rental Reimbursement, Towing and Labor, Comprehensive, Collision, and Medical coverages to choose from it may be easy to make simple mistakes that can hurt you financially if you do not have the right coverage.

Four Factors That Influence Auto Insurance Rates

1. Your Driving History
Insurers generally assume that a driver with speeding tickets, DUIs, or other violations on their record will be more likely to cause a potentially expensive accident. Fortunately, if you already have some tickets on your record, taking an approved driver safety course can get points taken off your license and lower your premiums.

2. Your Age
Young, inexperienced drivers are much more likely to cause an accident than any other age group, so insurance companies typically charge more. Most drivers will see their auto insurance rates drop as they age, with significant discounts at 18 and 25, but there are some steps you can take to lower the costs of covering a teen driver.

3. Local Crime Rates
Insurance companies carefully monitor crimes rates in each neighborhood, so comprehensive coverage can be much higher in areas with more auto theft and vandalism. While you may not be able to do much about local crime, keeping your car garaged or installing anti-theft measures can bring your rates down.

4. The Type of Vehicle
auto insuranceMore expensive vehicles obviously cost more to insure, while others, such as sports cars, are more likely to be involved in an accident. Large trucks and SUVs are also capable of causing more damage than smaller cars, which usually translates to higher premiums. Comparing prices before choosing your next vehicle can help you avoid sticker shock when it’s time to buy a policy.