What you should do if this happens to you!
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| Ways to save on your auto insurance |
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Shop around and compare prices. A list of companies can be found in your local yellow pages of your phone book.
Maintain a good driving record.
Take the highest deductible the insurance will allow for collision and comprehensive coverage. A higher deductible will lower your premium.
More ways to save!
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Factors that affect your automobile insurance rates
Some are controllable and some are not:
Gender and age: Women tend to have fewer accidents than men and certain age groups tend to have more claims.
Type of vehicle: Luxury and sports cars average a higher number of accidents. The more expensive the price tag of the vehicle, the more expensive it is to insure.
Driving record: Drivers with previous violations or accidents are considered to be high risk.
Discounts: Auto insurers may offer premium discounts for numerous reasons. Ask your agent what discounts are available to you.
Amount of coverage: Your premium will be higher if you carry the mandatory minimum coverage.
Deductible: If you chose a higher deductible, your premium will be lower. However, if you are involved in an accident, the out of pocket expense will be higher.
Usage of vehicle: The more you drive, the higher the premium due to a higher risk of accidents.
Where you reside: Urban areas have more accidents and file more claims versus someone who lives in a rural area.
Marital Status: People who are married tend to have fewer accidents and claims.
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More Information:
Repairing Your Vehicle
Additional Insurance Coverages
Insurance Terms
Safety Issues
State Limits
Auto Insurance Rate Factors
In 2005, there were nearly 6,420,000 auto accidents in the United States.
About 115 people die every day in vehicle crashes in the United States, estimating one death every 13 minutes.
Motor vehicle crashes are the leading cause of death for U.S. teens, accounting for 36% of all deaths in this age group.
California leads the nation in traffic fatalities. More than 4,000 sustain serious injuries, such as quadriplegia, paraplegia, brain injuries, and spinal cord injuries.
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Insurance Resources
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