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Factors Will Affect My Auto Insurance Rates?

What auto insurance costs and how much coverage you get for your insurance dollar go hand in hand. When you purchase auto insurance, you are sharing the financial risk of owning and driving a car with your insurance company. The amount of coverage you select and the deductible amount you're willing to pay determine the amount of financial risk you will have, even though you've purchased insurance.

So for example, less coverage may be less expensive, but you will also have to pay more out of pocket when filing a claim. Having a low coverage limit can also put your personal assets at risk if a claim against you exceeds your coverage. Having more coverage might be more expensive, but it can also save you money when you have a claim or are found to be at fault in an accident involving others.

Some other factors that affect your rates:

State each state has their own insurance regulations that can affect costs.

Region local average costs of repairing or replacing your particular vehicle or parts will affect your rate, as will medical costs, which vary by region also.

Personal information the driving records and credit-based insurance scores of the drivers on your policy typically raise or lower the price of your insurance.

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 Learn about car insurance prices and finding the right coverage for you. 

Car insurance rates are affected by many factors. Some are simply the day-to-day costs of repairing a vehicle or covering medical expenses. Others may be more within your control when selecting an insurance policy. You want the right amount of coverage at the best price, and it's important to understand the trade-offs between cost and coverage.

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There's more to car insurance than the dollar amount

When comparing car insurance quotes online it helps to compare apples to apples; in other words, you want to be sure that the quotes you get are for identical - or at least very similar - auto insurance policies. Here are some things to be looking for when you compare car insurance quotes:

Ensure Coverages, Limits and Deductible Amounts are the Same

Higher coverages and limits, as well as lower deductibles, will raise the premium you pay. At the same time, lower coverages and limits and higher deductibles will lower your premium. Be sure, also, that you are comparing the same coverage period, usually a 6-month or 12-month term.

Use the limits listed on your current policy, or use our Car Insurance Coverage Calculator to select the amounts you'll use to compare car insurance rates.

Know What Coverage You're Getting 

Auto insurance policies have a number of components. When you compare car insurance it's a good idea to be familiar with concepts such as:

Liability Medical payments and personal injury Uninsured/underinsured motorists Collision and comprehensive

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