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Car accidents can be expensive, and your auto insurance policy is your best protection against financial devastation if the unexpected happens. While state-minimum coverage is definitely better than no coverage at all, a high percentage of scenarios shows it’s not enough for most drivers.
While your auto insurance provider bases your monthly premium on numerous factors, including where you live, how old you are and whether you rent or own your home, the factor that most significantly affects your premium is your driving record.
When it comes time to renew your auto insurance, do you simply stay with the insurer that you’ve known and trusted for years? For some, this works out fine. For many, however, this is a costly mistake. If it’s been a while since you’ve shopped around for auto insurance, you could be throwing hundreds of dollars away.
To determine your premium, your auto insurance company uses a complex algorithm that takes countless factors into consideration. Some of those factors are obviously related to driving, such as how many speeding tickets you’ve had and when you received your last one, the age and type of vehicle you drive, and how many insurance claims you’ve filed in the past.
Most insurers offer a variety of discounts that can help you save money on your monthly insurance premium. Most drivers know that if they insure two cars under one auto insurance policy, they’ll pay less on that one policy than they would on two separate policies.