Fatores de Classificação de Seguro Automotivo

We work with multiple insurance companies to find you the best policy possible. We will ask you various detailed questions and periodically request updated information to save you money.

Kind of Car You Drive
Your choice of car impacts your insurance cost. Some insurers increase premiums for cars that are more susceptible to damage or occupant injury and lower rates for those that fare better than the norm. Generally, the more expensive the vehicle, the more you pay. Before finalizing a car purchase decision, discuss your insurance costs with your agent.

How Much Coverage You Buy
There are 12 different parts to your auto coverage. The amount of coverage you choose in each category impacts the overall cost. We always recommend not risking a lot for a little, and it isn’t always significantly more to have the higher protection limits.

Deductibles You Choose
Choosing a higher deductible to reduce your overall premium is an intelligent way to manage costs. You need to consider how much you can and are willing to pay out-of-pocket in case of a covered loss claim.

Garaging Location
Where you live can impact insurance costs because cities and towns are given different “territory” classifications based on various rating factors such as geographic accident history, theft, vandalism, etc.. The garaging information listed on your policy must be accurate, and this could vary by vehicle, i.e. a student takes one of your cars to college. If you move or your car will be in another location for an extended period, you should notify us immediately. Having incorrect information on your policy could affect being covered if you have a claim.

Years of Experience and Driving Record
Drivers with six or more years of experience pay lower premiums. However, drivers who commit traffic violations or are found 50% or more at fault for accidents generally must pay more than those who are accident-free for five years.

How Much You Drive
Driving less than 5,000, 7,500, or 10,000 miles per year may qualify for a low mileage discount on your premium.

Other Discounts for Which You May Qualify
Here are various discounts you may qualify for that can reduce the price of your auto insurance. These include discounts for:

• Completion of a qualified basic and advanced driver training program.
• Having a home policy or multiple cars insured with the same company.
• Having an anti-theft device.
• A vehicle with passive restraint device(s).
• Use of public transit.
• Number of years you’ve been with the same insurance company.
• Number of miles driven annually.
• Years of driving experience.
• Being age 65 or older.
• Being a high school or college student maintaining a grade average of “B” or 3.0 or higher.
• Having a student residing in your home who lives away at college.
• Being a member of a group/organization approved by the state for a particular group discount.
• Being a motor club member, i.e., AAA, Cross-Country, GM Motor Club, Onstar, etc.

Learn more about auto discounts >