Have you ever wondered what determines your auto insurance rates? It may seem that those numbers have no rhyme or reason, but there are certain factors and criteria that most insurers can and do consider before coming up with that golden number.
Coverage levels: Of all the factors into what you pay the type of coverage you select and the deductible you choose are the only ones you really have control over. Choosing lower coverage limits and a higher deductible will yield the lowest possible premium.
Driving history: The number of tickets you’ve received and accidents you’ve been in can have a major impact on what you pay each month. Also, filing claims with your auto insurer for things like windshield chips or cracks outside of an accident can also make a difference.
Mileage expectations: The number of miles you expect to put on your vehicle each year is another of the auto insurance rate factors. The logic behind this is, the more time you spend on the road, the more likely you are to get into an accident or get a ticket.
Vehicle: If your car has anti-theft features or high safety ratings you can anticipate a premium. However, a vehicle with poor safety ratings will increase your premium because of the likelihood it will need costly repairs.
Age and gender: Though it might seem prejudice, your age and gender are key factors in your policy price. Drivers under 25 and male drivers typically pay more.
Are you in the market for Florida auto insurance? Trust the experienced team at Zellner Insurance Agency to protect you and your vehicle. Call us today for a quote.
Driving history: The number of tickets you’ve received and accidents you’ve been in can have a major impact on what you pay each month. Also, filing claims with your auto insurer for things like windshield chips or cracks outside of an accident can also make a difference.
Mileage expectations: The number of miles you expect to put on your vehicle each year is another of the auto insurance rate factors. The logic behind this is, the more time you spend on the road, the more likely you are to get into an accident or get a ticket.
Vehicle: If your car has anti-theft features or high safety ratings you can anticipate a premium. However, a vehicle with poor safety ratings will increase your premium because of the likelihood it will need costly repairs.
Age and gender: Though it might seem prejudice, your age and gender are key factors in your policy price. Drivers under 25 and male drivers typically pay more.
Are you in the market for Florida auto insurance? Trust the experienced team at Zellner Insurance Agency to protect you and your vehicle. Call us today for a quote.
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