Automobile Insurance
We represent over 15 different companies for auto insurance, including preferred markets like MetLife Auto & Home, Travelers and Progressive.
Teenagers & Safe Cars
Auto Insurance FAQs
Safety TipsHaving the right amount of insurance won’t prevent an accident, but it will
prevent harsh economic loss, which is always a result of a serious accident.
Insurance is designed to pass that risk of financial loss from you to the insurance
company. An accident may seriously injure you physically, but it doesn’t have to
hurt you or your family financially.
What affects your insurance rates?
The answer is not so simple, but it is explainable. The bottom line is the price you ultimately pay is primarily determined by which tier you qualify for. Companies used to have approximately 3 –4 tiers and now most have at least 20.
Factors like personal credit history, maintaining prior insurance with no lapse, and your driving record are the primary driving forces behind which tier you may qualify for. Although many people don’t agree with the use of credit, there is a lot of research indicating a strong correlation between a person’s financial responsibility and the probability of them having a claim.
Tip – Having liability limits of at least 100/300/50 on you prior policy will pre-qualify you for a better tier.
Ask about discounts for:
- Good Students
- Defensive Driver’s Course
- Association Discounts – AAA
- Homeowners
