Insurance Center

Year, make and model: Collision car insurance coverage pays for repairs to your vehicle, regardless of who is at fault. Even if someone else is at fault, you can use this coverage, and your carrier will attempt to recover costs, including your deductible, from the other driver or their car insurance carrier. A higher deductible produces a lower rate.

Drivers: Every driver in the household will be ‘rated’; their driving records are requested from the DMV, and their record and age influences cost. Youthful drivers are typically more expensive to insure, due to inexperience and their potential to be more nonchalant or careless. Factors of youth also apply to car insurance liability insurance.

Comprehensive Coverage pays for costs incurred by vandalism, theft, and other non-collision accidents, such as an object striking your car.

The following factors are considered for Comprehensive coverage:
Where the vehicle is garaged: Your zip code matters when you purchase auto insurance. Crime rates, specifically auto theft rates, are a factor when determining your car insurance premium.

The year, make and model of your vehicle: Some vehicles are more desirable and, therefore trigger a higher premium for car insurance coverage.