Auto Insurance to fit your needs

• Accidents: At-fault accidents usually increase your rates because you're considered a higher risk.

• Speeding tickets: Moving violations can increase your premium.

• DUI/DWI: Can cause a significant rate increase and make it harder to find coverage.

• Claims: Multiple insurance claims can make you look riskier to insure.

• Clean driving record: No accidents or tickets generally means lower rates.

• Years of driving experience: More experience can help you qualify for better rates.

• Payment history: Late payments may negatively affect your insurance score.

• Credit utilization: Using a large portion of your available credit can hurt your score.

• Length of credit history: A longer credit history can help.

• Outstanding debt: High levels of debt may negatively affect your score.

• New credit accounts: Opening several accounts in a short period may hurt your score.

How does it affect insurance rates?

• Better insurance score: May qualify you for lower premiums.

• Lower insurance score: May result in higher premiums.

• Limited credit history: Some companies may have difficulty evaluating you.

More driving means more exposure. The more you drive, the higher your premium. Likewise, the more expensive the car or the higher the cost to repair, the higher the premium. Low mileage: Driving fewer miles can result in lower premiums.

• High mileage: More time on the road generally means greater accident risk.

• Commuting: Daily commuting can increase your annual mileage.

• Pleasure use: Occasional driving may qualify for lower rates.

• Business use: Using your vehicle for work can affect your rate and coverage requirements.

The type of vehicle you drive can significantly affect your insurance premium.

• Vehicle value: More expensive vehicles generally cost more to insure.

• Repair costs: Vehicles with expensive parts or specialized repairs may have higher premiums.

• Safety ratings: Vehicles with strong safety features may qualify for discounts.

• Theft rates: Frequently stolen vehicles may cost more to insure.

• Engine size and performance: High-performance and sports cars often have higher premiums.

• Vehicle size: Larger vehicles can have different accident and damage risks.

Coverage limits are the maximum amount your insurance company will pay for a covered claim.

• Higher limits: Generally result in higher premiums but provide more financial protection.

• Lower limits: Usually result in lower premiums but leave you responsible for more costs if damages exceed your coverage.

• Liability limits: Determine how much your insurance pays for injuries or property damage you cause to others.

• Full coverage: Comprehensive and collision protect your vehicle against certain damages, subject to your deductibles and policy terms.

A deductible is the amount you pay out of pocket before your insurance covers the remaining covered damage.

• Higher deductible: Usually means a lower monthly or annual premium.

• Lower deductible: Usually means a higher premium but less out-of-pocket expense when filing a claim.

• $500 deductible: You pay the first $500 of covered damage.

• $1,000 deductible: You pay the first $1,000 of covered damage.