Auto Insurance Rate Factors

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Why are insurance costs higher in some ZIP codes?

“” Car insurance is one of the necessary evils of our society; no one really likes paying for it, but when you need to use it having car insurance can end up saving a small fortune in legal expenses, damage claims history, and medical treatment costs. However, rates can differ between two people even when they live only a couple...

“” Car insurance is one of the necessary evils...

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Does a speeding warning affect your insurance?

Speed warnings should never affect your auto insurance because traffic warnings don’t usually go on your driving record. Any traffic citation that ends up on your driving record could affect your auto insurance rates, but getting a warning for speeding is just that – a warning, and not a citation or violation. But if you...

Speed warnings should never affect your auto insurance becau...

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How Insurers Calculate Your Car Insurance Rate

Each auto insurance company uses its own formula to calculate rates. However, even the best auto insurance companies consider your driving record, your age, and the type of car you drive to determine your rates. Other factors that affect auto insurance rates include where you live, how many miles you drive, your credit score, and...

Each auto insurance company uses its own formula to calculat...

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How does the insurance company determine my premium?

How does the car insurance company determine my premium? The answer isn’t as simple as it seems. Every insurance company uses different criteria to determine rates, and it’s important to learn how to compare auto insurance quotes so that you can lock in the best rates with a reputable company. To ascertain how to calculate...

How does the car insurance company determine my premium? The...

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How DUI and DWI Affect Your Insurance Rate

We know understanding auto insurance when you have a DUI or DWI can be complicated and frustrating. Don’t worry, because we’ve done the work for you. What is a DUI? What is a DWI? What is an OWI? What’s the difference between a DWI and DUI? What about impaired driving vs. a DUI? Read this...

We know understanding auto insurance when you have a DUI or ...

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Does a parking ticket affect your insurance?

If you have recently received a parking ticket, you may be wondering, Does a parking ticket affect your insurance? The truth is, there is always the potential for a parking ticket to impact your insurance rates, but if you only receive one ticket, your insurance company is a lot less likely to increase your monthly...

If you have recently received a parking ticket, you may be w...

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Vehicle Depreciation And Its Effect On Insurance Rates

As physical items and property age, they tend to either increase or decrease in value. Own a painting by a famous artist, or perhaps a collectible like a rookie baseball card or a rare coin? It’s probably going to go up in value as time passes, which is almost never the case when it comes...

As physical items and property age, they tend to either incr...

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