Comprehensive insurance solutions for every stage of life

Several factors impact your car insurance premium, including: 

• Driving History: A clean driving record typically results in lower premiums. 

• Age and Gender: Younger drivers and males often pay higher premiums. 

• Car Make and Model: Expensive cars or those with high repair costs may have higher premiums. 

• Location: Living in an area with high traffic or accident rates can increase premiums. 

• Credit Score: In some states, a good credit score can help lower your rate. 

• Coverage Limits: Higher coverage limits can lead to higher premiums. 

• Liability Insurance: Covers damage or injury you cause to others in an accident. It doesn’t cover your own car’s damages or injuries. 

• Full Coverage: Includes liability insurance plus coverage for your own car (collision and comprehensive coverage). Full coverage is often required for new cars or if you’re financing your vehicle. 

Even if your car is old or paid off, liability insurance is still required in most states. However, you might choose to drop collision and comprehensive coverage if the value of your car is low and the cost of the coverage isn’t worth it. It’s essential to weigh the risk of being underinsured in the event of an accident or damage. 

To file an auto insurance claim: 

1. Report the incident to your insurance company as soon as possible. 

1. Provide necessary details, such as the date, time, location, and description of the accident, and any involved parties. 

1. Submit documents like photos of the damage, a police report (if applicable), and any witness statements. 

1. Work with the claims adjuster: They will assess the damage and determine the payout, based on your coverage and the incident.