Big data

How insurance companies decide your rate

Does low scores equal bad drivers?

There's different factors that determine your auto insurance  rate, including your credit rating, age, gender, marital status, driving record and address.  Also statistics about your neighborhood and traffic counts in your area.

Crystal Ball


Insurance companies look at your credit and other data to predict if you're more likely to be a risk, have crashes and file claims. 

Type of car, deductible and coverage

It's difficult to compare rates, people have different driving records and different cars.  The best way to compare policies is to look at the deductibles and coverage.

Ways to keep cost down

Higher Deductible
High vehicle safety ratings
Discounts

Drive less 

People who drive  more miles during the year have a higher chance of getting into a crash.  Low annual mileage  might give you a lower rate.

The value of an agent

Talking to an agent about  coverage and discounts can save you money.