• Home
  • Get A Quote
  • Customer Service
  • Claims
  • Blog
  • Make Payment
  • Refer a Friend
  • About Us
  • Location Map
  • Employee Directory
  • Privacy Policy
  • Contact Us
Call Us Contact Us Today

 

CLIENT PORTAL
Home
Insurance Partner of Ruhl & Ruhl REALTORS & NAI Ruhl Commercial Company
  • Home
  • Get A Quote
    • Annuities
    • AutomobileImage of right arrow
      • Auto Insurance Quote
      • Auto GAP Insurance Quote
      • Auto Warranty Coverage Quote
      • Auto Quote Form (short)
    • Bonds
    • Business & CommercialImage of right arrow
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Business Owners (BOP) Quote Form
      • Builders Risk
      • Liquor Liability Quote Form
      • Workers Compensation Quote
    • Farm
    • Flood
    • Group Health
    • HealthImage of right arrow
      • Health Insurance Quote
      • Disability Insurance Quote
      • Long Term Care Insurance Quote
    • HomeownersImage of right arrow
      • Homeowners Insurance Quote
      • Manufactured Home Quote
    • LifeImage of right arrow
      • Life Insurance Quote
      • Term Life Insurance Quote
    • Limousine
    • Medigap Insurance
    • Motorcycle
    • Pet Insurance
    • Recreational Vehicle
    • Renters
    • Trucking
    • Watercraft & Boat
  • Customer Service
    • AutomobileImage of right arrow
      • Request ID Card for Auto Policy
      • Request Declaration and Coverages Page for Auto Policy
      • Send Declaration and Coverages Information to Lien Holder
      • Add Vehicle to Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
      • Add Driver to Existing Auto Policy
      • Remove Driver from Existing Auto Policy
    • Business & CommercialImage of right arrow
      • Request ID Card for Commercial Auto Policy
      • Request Declaration and Coverages Page for Commercial Auto Policy
      • Add Vehicle to Existing Commercial Auto Policy
      • Remove Vehicle from Existing Commercial Auto Policy
      • Add Driver to Existing Commercial Auto Policy
      • Remove Driver from Existing Commercial Auto Policy
      • Request General Liability Certificate of Insurance
    • Flood
    • Health
    • HomeownersImage of right arrow
      • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
      • Request Evidence of Insurance
    • Life
    • MotorcycleImage of right arrow
      • Request ID Card for Motorcycle Policy
      • Request Declaration and Coverages Page for Motorcycle Policy
      • Add Motorcycle to Existing Policy
      • Remove Motorcycle from Existing Policy
      • Add Driver to Existing Motorcycle Policy
      • Remove Driver from Existing Motorcycle Policy
    • Other
    • Recreational VehicleImage of right arrow
      • Request ID Card for Recreational Vehicle Policy
      • Request Declaration and Coverages Page for Recreational Vehicle Policy
      • Add Recreational Vehicle to Existing Policy
      • Remove Recreational Vehicle from Existing Policy
      • Add Driver to Existing Recreational Vehicle Policy
      • Remove Driver from Existing Recreational Vehicle Policy
    • Renters
    • Watercraft & BoatImage of right arrow
      • Request ID Card for Watercraft Policy
      • Request Declaration and Coverages Page for Watercraft Policy
      • Add Watercraft to Existing Policy
      • Remove Watercraft from Existing Policy
      • Change Primary Operator on Existing Watercraft Policy
  • Claims
    • Automobile
    • Business & Commercial
    • Homeowners
    • Motorcycle
    • Renters
    • Watercraft & Boat
  • Blog
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Calculators
    • Important Files
    • Free Reports
    • Insurance Glossary
  • About Us
    • About Nelson Brothers Agency
    • Our Locations
    • Employee Directory
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
Auto Insurance AUTO Read More
Homeowners Insurance HOME Read More
Business Insurance BUSINESS Read More
Life Insurance LIFE Read More
Health Insurance HEALTH Read More
Recreational Insurance RECREATIONAL Read More
Home > Blog > Shopping For Auto Rates
THURSDAY, OCTOBER 19, 2017

Shopping For Auto Rates

Before you purchase a car, it's a good idea to understand all the costs associated with the purchase of the vehicle. Including the cost of automobile insurance. The Basics. Learning about how automobile insurance rates are determined will help you to navigate why rates vary and assist you with your auto buying decision. Factors that impact auto rates include the following: * Age of insured drivers- Young drivers under the age of 25 are statistically up to four times more likely to be in an accident. Additionally, males under the age of 25 will be more expensive to insure than females at that age. * Driver record- Studies indicate that drivers with past claims are more likely to have future claims. Drivers with moving violations, accidents and/or claims in the past three years usually pay a higher price for their automobile insurance than those ensuring the same vehicle but are "loss free." * The type of vehicle you drive- Both size and performance impact premium cost. Larger cars tend to be less expensive to insure than smaller cars because they typically suffer less damage in an accident. High-performance vehicles, such as sports cars, tend to be to insure since they are statistically driven more aggressively. As a result, they tend to be involved in accidents more frequently. * Value and age of the car- As a simple rule of thumb, the more expensive the car, the more it will cost to insure. The new the vehicle, the more it costs to insure. * Car features- You can earn premium discounts cased on the vehicles safety features, such as anti-lock brakes, air bags, anti-theft devices and having more than one car on the policy. * Vehicle usage and location- Typically, the higher the mileage, the higher the premium. Additionally, the more densely populated an area is, the higher the auto premium. *  Deductible choice- The higher your deductible, the lower your premium. 
Posted 10:38 AM

Tags: auto coverage
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2022
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016

  • accident prevention(8)
  • employment practices liability(3)
  • general liability insurance(3)
  • cyber liability(3)
  • teen driver safety(2)
  • auto coverage(2)
  • liquor liability(2)
  • nelson brothers agency(1)
  • social media(1)
  • collin nelson joins nelson brothers agency(1)
  • thankgiving(1)
  • directors and officers liability insurance(1)
  • flood insurance(1)
  • jeff gibeau(1)
  • iowa insurance(1)
  • garage general liability(1)
  • illinois insurance(1)
  • personal wellness(1)
  • sewer backup coverage(1)
  • independent contractors(1)
  • non-captive agency(1)
  • general liability(1)
  • winter vehicle preparations(1)
  • excess liability (umbrella) insurance(1)
  • new years(1)
  • employee benefits liability(1)
  • frostbite(1)
  • independent insurance agent(1)
  • fall home maintenance tips(1)
  • reducing the cash risk(1)
  • valuable papers coverage(1)
  • medical malpractice insurance(1)
  • michael matherly(1)

View Mobile Version
Facebook
Twitter
LinkedIn
Google+

Resources

Home About Us Get a Quote Customer Service Newsletter Contact Us

Contact Us

contacticon
  • 940 Lincoln Road
  • Bettendorf, IA 52722
  • Other Office Locations
  • Office 1: 563-323-9233
  • Office 2: 563-355-4478
  • Fax: 563-323-9221
  • Email Us
© Copyright. All rights reserved.
Powered by Insurance Website Builder