Car Insurance Rates and Costs

How are auto rates calculated?

The cost of your auto insurance is determined primarily by the coverage and deductible you choose. Opting for less coverage can lower your monthly bill, but you will likely pay more out of pocket if you file a claim. Some other major factors that impact auto rates are:

  • Regional Costs: the cost to repair or replace your vehicle, along with medical care, varies by location.
  • Personal Information: the driving records and credit-based insurance scores of all drivers on your policy.

How can I lower the cost of my auto insurance?

Take advantage of our valuable car insurance discounts to reduce the cost of your auto insurance. Discount eligibility varies based on your unique situation, like the vehicle you drive, the policy you choose, and your personal information.

Additional ways to lower your auto insurance costs include:

  • Keeping a clean driving record.
  • Considering safety features and affordability of repairs when choosing your vehicle.
  • Maintaining a strong credit score.
  • Purchasing umbrella insurance, for added protection against large claims.
Each state has minimum auto insurance requirements, but the minimum coverage may not be enough to protect you from liability in the case of a serious accident. Ultimately, the cost of car insurance for your vehicles will be driven by the amount of coverage you need to protect all of your assets and what you can afford to pay as a deductible in case of a claim.