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How Auto Insurance Rates are Determined

September 25th, 2011  |  Insurance

People are always interested in knowing the factors that are used to determine their auto insurance rates. The reality is that Auto insurance rates are determined by a number of different factors. There is no specific rate for drivers. Your rates are determined specifically by your characteristics as a driver.

In general, rates are determined by:

  • Where you live
  • The car that you drive
  • The number of drivers that are listed on your policy
  • The number of tickets and driving infractions on your record
  • Your driving history
  • Your age and driving experience
  • How you use your vehicles (personal or business)

There are also other factors that can impact your rates and every insurance company is difference when it comes to coming up with an insurance premium rate. This is why it is important to talk to the insurance companies that you are considering using.

The only way to see your auto insurance rate options is to get an auto insurance quote and the best way to do this is to go online and use an insurance broker. This way you will be able to get a number of quotes to compare before you accept a policy from an insurance company. All you have to do is fill out your information and it will be used to generate a quote based on your specific driving information.

If you would like to learn more about factors that impact your auto insurance rates, please visit HUB Insurance Hunter and get 3 quotes in 3 minutes and save money on your auto insurance. 

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