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What are the Primary Factors That Cause My Car Insurance to Go Up?
Jeff Ryan
May 12, 2022
There are plenty and here is a good summary
This question is one that has been asked and re-asked in our agency a number of times. Please see one of my previous answer here:
As a short recap, the major factors influencing the cost of auto insurance are:
- Credit History or more specifically - Insurance Score
- Claims History
- Driving Record
- Continuous Insurance Coverage
- Garaging Location
There are some other important factors that include:
- Your Age
- Your Gender
- Your Years of Driving Experience
- Vehicle Make/Model/Submodel
- Coverage Limits
In addition to the factors listed above, there is another set of factors that can come into play and that have a lesser impact on the cost of car insurance, including:
- Your Occupation
- Your Education
- Your Previous Limits of Liability
- Your Marital Status
- Your Vehicle's Use
- Your Miles Driven Annually
Have additional questions about your auto insurance and how you may be able to save money? Please feel welcome to contact us by dialing (607)324-7500, or via any of the information found by clicking here,
About the Author: Jeff Ryan has been a licensed insurance agent since 1978, later becoming a full-time insurance professional in 1983. Since then, he has been the principal of The Ryan Agencies with offices in Hornell, Jasper, and Wellsville. The agencies serve approximately 15,000 clients in New York and Pennsylvania. Jeff holds numerous credentials including the Chartered Property & Casualty Underwriter (CPCU), Certified Insurance Counselor (CIC), Accredited Advisor in Insurance (AAI), Chartered Life Underwriter (CLU), and Chartered Financial Consultant (ChFC) designations. He holds a Master's Degree from the American College. Jeff enjoys writing about all things insurance and welcomes your questions and feedback.
This article may have been originally published at Quora.com.
To see Jeff's Quora.com profile click here.
Part 7 – Designing a Value-Driven Insurance Plan
Part 6 – Advice, Advocacy, and Answers
Part 5 – Can Your Company Deliver?
Part 4 – Custom Coverage = Real Protection
Part 3: Coverage Limits - "The Ceiling You Don't Want to Collapse"
Part 2 – The Risks of Chasing Cheap
Part 1: What Are You Really Paying For?
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