Most Recent Auto Insurance Guide in Factors That Affect Insurance Rates

• California – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  There are so many factors that affect car insurance rates all across the country. Some are universal and yet some are specific for California residents. Becoming familiar with these factors will help you make better decisions when purchasing your car insurance or when shopping around for a better rate.

  First up is verifying how your insurance company determines the value of your car if it is beyond repair and agents have signed off on it as totaled? The value is confirmed through computerized quotes from automobile vendors, general market research and the trusty Blue Book. The good news is they will be able to come to a fair and reasonable price for your vehicle. The problem lies only if they cannot find a comparable replacement from a nearby outlet. The further away they must travel to replace the vehicle, the more it may cost you.

  Auto insurance companies in California … Click here to read more

• Washington – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  There are so many elements that go into determining car insurance rates in general. The type of vehicle you drive, your driving history and number of claims you have submitted in the past and the safety features that are included on your car all have a bearing on how much or how little you will have to pay for your insurance.

  But there are additional factors for Washington drivers to pay attention to regarding their rates. Some you may not even have thought about when you last insured your vehicle. And sometimes we don’t even know about these factors until they come up, like when you have an accident and realize what is really covered and what is not.

  What if Your Car is Totaled?

  If your car insurance wants to total your vehicle after an accident, find out how they determine the value of your car in order to … Click here to read more

• New York – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  Even though most people in New York City rely on taxis and subways for much of their transportation needs, there are many people in the city and suburbs that own a vehicle and have to deal with the rising costs to insure their car or cars. There are many factors that come into play when determining car insurance rates in New York. Some of them you may already be aware of but others you may be surprised to find out about.

  Where you live in New York has as much to do with the cost of your car insurance as the amount of time you are on the road. You may pay less if you live in the suburbs and yet drive more than someone who lives in the city. The amount of people in a small area, the amount of traffic and the addition of a higher crime level … Click here to read more

• Florida – Factors that Affect Auto Insurance Rates

  by Hayden Krueger

  Trying to find the best insurance rates can be a daunting task. After awhile it all seems to blend together and you’re really not sure if you are actually getting a good deal or not. And sometimes, you won’t know until it is too late. You shouldn’t sacrifice coverage because the rates are too high. So what exactly determines the costs of auto insurance in the state of Florida?

  To begin with, you should always find out ahead of time what method your carrier uses to determine the value of your car if it is totaled in an accident. Being beyond repair, an insurance company will figure out what your car is worth in one of three ways: researching the market value, going through quotes from vendors, or the traditional “Blue Book.” If your insurance company is unable to replace your vehicle from a nearby source, you may pay in … Click here to read more