What Affects Your Auto Insurance Rate

Educational information — not insurance advice.

Insurers weigh many factors differently — which is exactly why comparing helps.

Driving history

Accidents and violations raise rates; a clean record lowers them.

Vehicle

Make, model, age, safety features and repair costs all matter.

Location

Local traffic, theft, and accident rates affect pricing.

Coverage choices

Higher limits and lower deductibles increase premiums; comparing helps you balance it.

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