Bodily Injury Liability: $25,000 each person,$50,000 each accident
Property Damage Liability: $25,000 each person Uninsured Motorist: No Coverage
Comprehensive: $2,000 deductible Collision: $2,000 deductible Medical Payments: $5,000 each person Rental Reimbursement: $40 each day,maximum 30 days Roadside Assistance: No Coverage
What makes car insurance so expensive
Car insurance can be expensive due to several factors, including:
Risk Assessment: Car insurance premiums are typically based on the risk associated with the insured vehicle and the driver. Factors such as the age, gender, and driving history of the driver, as well as the make, model, and age of the vehicle, can impact the risk assessment. For example, younger drivers or drivers with a history of accidents or traffic violations may face higher premiums due to the increased likelihood of filing claims.
Claims Frequency and Severity: Car insurance premiums are influenced by the frequency and severity of potential claims. If the frequency of car accidents or thefts is high, or if the potential costs of repairs or replacements are significant, insurers may increase premiums to cover those potential costs. Additionally, the rising costs of medical treatments and vehicle repairs can also impact car insurance premiums.
Geographic Location: The location where the insured vehicle is primarily used can affect car insurance premiums. Areas with higher crime rates, greater congestion, or a history of severe weather events may have higher premiums due to increased risk of theft, accidents, or damage.
Coverage Levels and Deductibles: The level of coverage and deductibles selected by the policyholder can impact car insurance premiums. Higher coverage limits and lower deductibles typically result in higher premiums, as they increase the potential costs for the insurer in the event of a claim.
Personal Factors: Personal factors of the insured driver, such as their credit history, occupation, and education level, can also impact car insurance premiums. Insurers may use these factors as proxies for risk assessment, with lower credit scores or certain occupations being associated with higher risks.
Discounts and Special Coverages: Car insurance premiums may vary depending on the discounts or special coverages offered by insurers. For example, adding additional coverage options like comprehensive or collision coverage, or taking advantage of discounts for good driving records, multiple policies, or vehicle safety features, can impact premiums.
Insurance Company Expenses: Insurance companies have operational expenses, such as staff salaries, administrative costs, and marketing expenses. These costs are factored into car insurance premiums to cover the costs of running the insurance company and generating a profit.
Legal and Regulatory Requirements: Car insurance is subject to legal and regulatory requirements imposed by government bodies, such as minimum coverage limits or mandatory coverage types. Compliance with these requirements may impact insurance premiums.
Fraud and Abuse: Similar to other types of insurance, car insurance can be impacted by fraud and abuse, such as staged accidents or false claims, which can result in increased costs for insurance companies. To mitigate these risks, insurers may increase premiums to cover potential losses from fraudulent activities.
Car insurance premiums are influenced by a combination of risk assessment, claims history, geographic location, coverage levels and deductibles, personal factors, discounts and special coverages, insurance company expenses, legal and regulatory requirements, profit margins, and fraud and abuse risks. These factors collectively contribute to the cost of car insurance and can make it expensive for policyholders.
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Very personable!
TJRC C.
7/21/2020
Crystal was professional and took care of everything...read moreCrystal was professional and took care of everything that I needed. I appreciate it.read less
MIke Z.
10/13/2023
Crystal was awesome!!! Not only was she helpful...read moreCrystal was awesome!!! Not only was she helpful with getting me insurance but she is very personable and I really needed this. Thank you!!read less
Emily C.
7/21/2021
My experience with Crystal at A Plus Insurance...read moreMy experience with Crystal at A Plus Insurance was really great! She really put in the time to find me exactly what I was looking for while saving me money!!!read less
Jesse M.
7/21/2021
A plus had always been there when I...read moreA plus had always been there when I call. Crystal is the best!!read less
Diego o.
4/15/2023
Marlon has been so helpful... answered my million...read moreMarlon has been so helpful... answered my million questions and was a pleasure to work with. I had been shopping around online for rates and getting so many calls a day from insurance companies. He was also able to save me the most money over any other carriers. A Plus insurance will compare rates from multiple insurance companies to find you the best rate. Even better... you get to talk to an actual person instead of putting your info online and getting 50 spam calls a day! Thank you Marlon and A Plus Insurance!read less
Jennifer B.
10/31/2022
Helped me so much thankyou
Katherine B.
5/26/2023
Crystal is awesome!
Chad R.
8/31/2023
I had a GREAT experience! I was in...read moreI had a GREAT experience! I was in a time crunch and he was very accommodating!! Will definitely spread the word!!
Policy Notes: Single Young driver age 37 obtain competitive liability only insurance high risk in Colorado Prior insurance: The General Vehicle quoted: Lincolnread less
Staci D.
7/18/2022
She was friendly, knowledgeable, and got us what...read moreShe was friendly, knowledgeable, and got us what we needed in a timely manner. Very easy to work with.read less
Chaz B.
7/21/2021
Amazing was troubled trying to find a place...read moreAmazing was troubled trying to find a place for SR22 and they helped me with everything I needed help with.read less
Alex S.
2/21/2022
I worked with Alexandra to set up my...read moreI worked with Alexandra to set up my policy. I've never been treated with more respect and kindness! She took her time to find me the policy that fit my needs best. She is thorough, patient and understanding. On a side note, this company also donates part of their earnings to charity. I highly recommend this company!read less
D K.
1/18/2023
Agent was extremely efficient and knowledgeable. She went...read moreAgent was extremely efficient and knowledgeable. She went in depth detail about the policy & statistics in my city. Will definitely be referring friends & family.read less
Regina R.
1/05/2023
Si was easy and patient to work with....read moreSi was easy and patient to work with. he answered all my questions and calls. si get us set up with a great rate. would highly recommend them.read less
Tommy T.
7/21/2020
Alexandra is always so helpful. She has taken...read moreAlexandra is always so helpful. She has taken care of all my worries.read less
Brian L.
10/31/2022
Cam helped me out great job
Zachary H.
4/27/2023
Great service from agent. Would recommend over many...read moreGreat service from agent. Would recommend over many other agencies. THANKS JOLA !!!!!!read less
Jason L.
7/21/2020
I've been doing business with A+ insurance for...read moreI've been doing business with A+ insurance for many years and have always had very great experiences with their agents. Always very professional, friendly and patient with their customers. Paperwork is well explained and extremely easy to complete via text or email. I want to thank Amanda for being so friendly and professional in helping me with multiple transactions. Thank you A+ for working with a variety of agencies that best fit our needs.read less
NANCY M.
9/28/2023
Marlon and the entire staff really listened to...read moreMarlon and the entire staff really listened to my situation and cared about me as a person. They worked hard to find me a much better car insurance rate and saved me $390 on my car insurance. Thank you Marlon!read less
Clinton F.
7/14/2022
Marlon was great
Sammie 8.
12/15/2022
Marlon is the best. Super friendly and helpful!
Nikki :.
3/01/2023
So helpful thank you very much.
Notes: Long...read moreSo helpful thank you very much.
Notes: Long term client looking to upgrade vehicle - found lower rates through National general, 2017 Honda HR-V.. Young male single driver. Multiple discounts applied: Paperless, proor of prior insurance through Dairyland. read less
andre t.
7/07/2022
Every person on this team is awesome, ...read moreEvery person on this team is awesome, I love you all!!read less
MZGZ
12/13/2022
Katie worked with me and got me a...read moreKatie worked with me and got me a way better deal than anywhere else. Great company 🙂 and tomorrow I have a phone appointment with Amy for a business insurance quoteread less