10 Reasons why Auto Insurance isn’t Cheap

Posted by: info | May 19, 2007

The cost of auto insurance is impacted by many factors beyone your control. We have put some of the biggest reasons on our top 10 list.

Quotes are based on factors other than driving record and vehicle type. Credit history, home location and marital status are factored in your premium.
Young drivers can be added to their parent’s policy to save money. What difference does this make? The driver is the same regardless of the policy.
Independent agents can sometimes offer a better deal than buying direct from the company.
Adding additional coverage can almost amount to the same price.
Drivers don’t know how auto insurance companies figure up their rates. A policy can vary up to $600 between companies.
Senior drivers pay a lot less for auto insurance even though some of them have slower reaction times, more health problems and have a hard time driving the speed limit.
To get an affordable policy, you have to raise your deductible so high that you can’t afford to file a claim.
Policy holders have to help pay for the losses caused by fraud, even though they have control or say in who the insurance company chooses to cover.
Down payments are so high it makes shopping for other auto insurance policies difficult.
Tickets can raise your rates for three years, even though you were fined and punished to the extent of the law.

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