How Are Auto Insurance Rates Calculated

The primary factors impacting auto insurance
rates are the 6 parts of an auto insurance policy. Rates are
generally based on:

• The coverage types you choose from among the 6.
• The amounts of coverage in a specific part.
• The amount of deductible you choose. In most cases, the
  higher the auto policy deductible, the lower the premium
  paid.

Several other factors impact auto insurance
rates. You’ll probably pay less if any of the following
apply:

• Your previous driving record does
  not include tickets, accidents and claims.

• Your home address is outside an
  urban area where more accidents and thefts are likely to
  happen.

• Your credit rating is high.

• You are older than 25.

• You are female.

• You are married.

• You own a make and model vehicle
  not prone to theft, or driven at higher speeds.