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What Affects Car Insurance?

There is no such thing as a one-size-fits-all approach to car insurance.  Just like any good pair of shoes, having a pair that fits you, your needs, and your budget is the only way to approach auto insurance. In fact, car insurance changes from driver to driver, company to company, and even location to location.


Auto Insurance


There are a few things that affect your car insurance, and to make you a more educated consumer, here are a few of them.

The coverage that once was

There are a few things that you should be aware of when getting insurance quotes. A few things like gaps in your coverage, or if you’ve had lower than normal limits with past insurance policies. Some of these things may cause you to pay more or less for insurance.

Your Driving History

There are a few factors related to your driving history that affect your insurance quotes. If you’ve been in accidents or received a handful of tickets your rates may be affected. The great part about this is that if you abide by the law and stay safe then you can potentially reduce your rate.

How you use your vehicle

Just so you know, if you spend a lot of time driving on long daily commutes, your car insurance may change. The same goes for your car.  If you have a car that has a high safety rating, or a car that doesn’t, it will affect your insurance rates for better or worse.

There are a handful of factors that affect your car insurance rate. To understand more about how some of these factors may be affecting your rate, give us a ring and we’ll gladly talk through it with you.

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