What factors influence my auto insurance premium?

Where you live (and park your car) will have a direct impact on your insurance premium. Of the all the factors that affect car insurance rates, location is chief among them. Insurers probably know more about your neighborhood than you do. read more

As time goes on, the effect of past crashes on your premiums will decrease. Your credit history. It has been shown certain credit information can be predictive of future insurance claims. Where applicable, many insurance companies use credit history to help determine the cost of car insurance. read more

From your ZIP code, car insurance companies can tell the rate of stolen cars in your area, cases of vandalism, amount of claims (and fraudulent claims), as well as damaging weather. All of this helps them to discern the risks associated with insuring you and your car in that ZIP code. read more