Auto Insurance can be an expensive purchase. To make an informed decision you should learn as much as you can about the underwriting factors that affect the cost, the different amounts of coverage available, the requirements in your state, and what the best rate we have available for you.

Underwriting Factors

We assess risk associated with an applicant. Groups that are at higher risk will eventually make more claims and will pay more for auto insurance.

• Driving Record - Drivers with previous traffic violations or fault accidents would be placed in a higher risk group.
• Marital Status - Claims among married policyholders are less than single policyholders putting them in a lower risk group than single policyholders.
• Residence - The location where you garage your vehicle also may affect your rate. More claims are made in urban area than rural areas.
• Age and Gender - Males have more accidents than females. Teenagers have many more accidents than the rest of the population.
• Use of Vehicle - Higher annual mileage will usually result in higher cost because of the higher exposure to risk. Type of vehicle you drive will affect the cost of the insurance.
• History of Prior Coverage - If you were cancelled due to non-payment of premiums your rates might be affected.

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