When shopping for Arlington Smokey-Point auto insurance, you have many options. It can be frustrating knowing if you are getting the best rate possible, or if you could save a couple of dollars with someone else. Let’s take a look at the factors that can impact what you are charged for your car insurance policy.
So, how is your insurance rate determined? Your auto insurance rate is determined by two things:
- Underwriting
- Rating
Underwriting via the insurance company will analyze the risk that is associated with insuring you, based on the information you give during your application. This will include factors such as your
- age
- driving record
- gender
- marital status
- make and model
- geographic region
- prior insurance coverage
- vehicle use
Each of these different factors will be assessed, and then you will be pooled with other drivers similar to you, and then your rate will be determined, based on these factors. The rate you are given is correlated to how much of a risk the insurance company believes it is for them to insure you. For example, statistically males have higher rates of accidents than females – and married couples have lower rates of claims compared to non-married individuals. These factors are all measured and then determine the assigned insurance rate. Different companies will weight them slightly differently, so it pays to shop around, and also to ask for discounts.
American Insure-All® is available for your Arlington Smokey-Point Auto Insurance. Call us at 888-411-Auto for consultation about the best insurance for your vehicle. Tell us about you, your driving record, your lifestyle, and we can help you select an auto insurance policy that works for you and your family.
When our previous insurance provider decided to make a change in our career we were a little anxious. We had become accustomed to being on a first-name basis and getting quick responses to our requests. Little did we know at the time we had nothing to worry about as American Insure-All has more than met our previous expectations. Don and his team have been quick to respond to our needs and provide us with the peace of mind that we were looking for in a provider.