Auto & Home Insurance AUTO & HOME

A standard policy insures the home itself and the things you keep in it.

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Business Insurance BUSINESS & COMMERCIAL

Insurance protects you against loss if you have an accident.

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Mobile Home & RV Insurance MOBILE HOME & RV

Discover the perfect insurance options to meet your specific and unique needs.

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Motorcycle Insurance MOTORCYCLE

Browse a variety of insurance options in order to find the right one for you.

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Boat Insurance BOAT

Learn about different coverage options that fit your specific needs.

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Life Insurance LIFE

Finding insurance doesn't have to be difficult. We do the work for you.

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Over 30 Different Factors That Could Affect

Your Auto Insurance Rates

      Most people are not familiar with how many factors are included in determining auto insurance rates.  We’ve compiled a list of several below.  The science of determining rates is forever evolving.  No one company has the “best” rate for everyone.  Once you factor in all of these variables, rates can vary drastically for “similar” people.  After you look at the list below you’ll understand why we ask so many questions.
 
Age

Credit

Deductibles

Marital Status

Year of Vehicle

Make / Model

Cost of Vehicle

Airbags on vehicle

Anti-theft features

Felony Convictions

5 year driving record

ISO Symbol of vehicle

Length of time licensed

Driving training discounts

Defensive driving discounts

Anti-lock brakes on vehicles

Liability limits on prior policy

Miles driven one way to work

Any previous at fault accidents

Liability limits on current policy

Number of vehicles on the policy

 Number and types of prior claims

Optional coverages (towing, rental, etc.)

Length of time with prior insurance company

What company you were previously insured with

How the vehicle is used (work, business, pleasure)

Home address (broken down as much as by zip code)

Length of time client has maintained continuous coverage

Multiple policy discounts that may be available from some companies

Occupation of insured (teachers get special discounts from some companies)

Willingness to participate in and the results from a GPS tracking device (such as Progressive's SnapShot)

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