Home Glossary Contact Us  
   
 
 
 
News Back
 
What determines the price of my policy?
There are many factors that influence the price you pay for auto insurance. The average American driver spends about $700 a year. Your premium may be higher or lower, depending on:

  1. Your driving record.
    The better your record, the lower your premium. If you've had accidents or serious traffic violations, you will pay more than if you have a clean driving record. You may also pay more if you haven't been insured for a number of years.

  2. The number of miles you drive each year.
    The more miles you drive, the more chance for accidents. If you drive a lower than average number of miles per year, less than 10,000, you will pay less. For instance, some companies will give discounts to policyholders who carpool.

  3. Where you live.
    Insurance companies look at local trends, such as the number of accidents, car thefts and lawsuits, as well as the cost of medical care and car repair.

  4. Your age.
    In general, mature drivers have fewer accidents than less experienced drivers, particularly teenagers. So insurers generally charge more if teenagers or young people below age 25 drive your car.

  5. The car you drive.
    Some cars cost more to insure than others. Variables include the likelihood of theft, the cost of the car, the cost of repairs, and the overall safety record of the car.

  6. The amount of coverage.
    Of course, like anything else, the more coverage you have, the more you pay. However, you may qualify for discounts.
 
 
Find an Agent
Enter City Name:
Useful Links
Homeowners Insurance
Auto Insurance
Life Insurance
Health Insurance
Free Insurance Brochures
Glossary
Recent News
 
In a “Rent to Own” Situation? Get Condo Rental Insurance
The Presidential Memorandum Regarding Hospital Visitation and Decision-Making
Homeowner Insurance Overview - What You Need To Know
Homeowners and Renters Insurance - Don't Take Chances With Mother Nature
Study: Gay marriage bans lead to lack of health insurance
The Gay Ghetto Top 10 for 2008
Reasons For Home Insurance
Homeowner’s Insurance Puzzles: Is This Covered?
Insurance Professionals Dedicated to Serving You!
Auto Insurance for your kids
Archive
 
November, 2010
June, 2010
February, 2010
January, 2010
September, 2009
August, 2009
July, 2009
June, 2009
May, 2009
April, 2009
March, 2009
February, 2009
January, 2009
December, 2008
November, 2008
More
 
 
FAQ | Agents Join | Agents Login |  Link Partner | Privacy Policy | Terms of Use
Copyright © 2017 Gaysurance.com