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What determines your auto insurance rate?
Shopping for car insurance directly through a company simplifies the process, as each company tailors its offerings to suit diverse driver profiles. This direct approach means individuals can receive personalized quotes that reflect their specific circumstances. The variation in quotes arises from considerations like age, driving history, credit score, vehicle type, and geographical location, ensuring that every driver receives a plan best suited to their unique needs.
vehicleYour vehicle is the biggest factor in your insurance
Some insurance providers are better for certain types of vehicles. If you have a large truck or a luxury vehicle it would be more expensive to replace therefore more expensive to insure. Also, your location plays a big role, some providers, such as Tennessee Farmers are better for a 2017 Audi R8, while a 2015 model would be better with Progressive.
locationLocation is the second biggest factor in the equation
Geographic concerns play a large factor in how insurance providers determine their rates. For example, in states where hail and flooding are common you’ll see a major increase in automobile insurance rates. Also, cities with crowded populations, such as Los Angeles, result in common accidents leading to 20% higher rates than the national average. Each insurance provider evaluates these risks differently and you’ll see rates that will commonly vary by more than 200%.