While getting an Auto Insurance quote, have you ever wondered why the agent asks so many questions? The variety of Auto Insurance quotes are as varied as the number of different vehicles on the road. Most companies use the following information to rate your Auto Insurance:
* What kind of coverage (just liability or liability and collision)
* What kind of Vehicle
* Do you have any tickets, points or accidents
* How long have you been Licensed
* Where you live
Obviously, Liability, Comprehensive, and Collision coverage is going to be more than your basic Liability. Comparing same vehicles with different years, the newer the vehicle the more expensive the price is when quote Liability, comprehensive and collision. Points and years licensed have the biggest impact on Auto Insurance. Where you live matters because the more populated area, the more accidents, the more the Auto Insurance costs. Some companies have started using credit as a part of the overall picture on how to price Auto Insurance. Different companies specialize in different situations and price their policies to attract those situations. As an independent agency, we have a company for all situations. If your situation changes, we can change to a company that will give you the best price for your individual situation. If you are interested in finding out how much points affect your insurance premium, check out our blog that gives you that information. Request a quote now!!!