How We Determine Your Auto Insurance Premium

The quoted premium, as well as the underwriting and rating of your application, is influenced by many factors, including:

• Information about your vehicle and the people who may drive it regularly.
• Information obtained from consumer reports, which includes claims history, motor vehicle reports, credit reports, credit scoring and likelihood of a claim.

Studies have shown a direct link between a responsible financial history and responsible behavior on the road. Our limited use of credit information allows us to offer insurance coverage to more drivers. It has also frequently allowed customers with good credit and safe driving records to pay a much lower premium.

Credit information will be gathered by LexisNexis, a third-party credit reporting agency.

Our rating structure does not take into account your race, ethnicity, nationality, religion, or income level.

The product information contained on this website is informational only and not a statement of contract. All coverage options are subject to the provisions of the policy purchased and details of the policyholder's situation.

• Understand Premiums & Deductibles

  

  Before you can determine what your deductible should be, you should learn how it affects your premium.                                           

  Learn More

• Still Aren’t Sure?

  

  It may seem like a high deductible can save you money but a lot of factors apply, such as how much you can afford to pay out of pocket.
  
  

  Keep Learning

• What About Liability?

  

  Now that you know how to choose a deductible, do you know how much liability insurance you should have for your car?
  
  

  Find Out