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.
Motorcycles, RVs, ATVs, life insurance, you name it…we can help!
Jola was fantastic at working with me to find the best rate! She explained everything to me and made sure I had the best deal possible. HIGHLY recommend!!! Easy, quick and trustworthy!
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Annie D.
12/21/2021
always a great job and pleasant experience
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Joe V.
2/21/2022
Very helpful
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Steven T.
8/30/2023
Awesome customer service !!!
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Regina A.
11/24/2023
Cameron helped me get the best price. He’s very well spoken, very knowledgeable and precise. We all hate having to talk to sales reps in life but he made it a breeze. Will be going back to this company in the future and recommending to friends and family because they hire people that make getting help so much easier and that goes a long way with me and my hard earned money. Thankyou Cameron!
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Heather S.
8/18/2024
Jola was excellent. I honestly have never had that good of customer service on the phone. Thank you so much for making this transition so easy.
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Jeffrey M.
11/16/2022
My agent was the most professional and knowledgeable agent I've had thus far!!! 10/10
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Alex D.
4/13/2023
Notes: single landlord age 22 acquire immediate full coverage insurance while applying military discounts Driver Wisconsin proof of Prior insurance Progressive: Vehicle type covered: Lincoln
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Juan z.
7/14/2022
My agent Lauren help me out great and saved me over 100$!
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Nickolas P.
9/08/2022
Very helpful and good service.
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Alex M.
2/15/2023
I have changed my Car Insurance to A Plus Insurance and have saved so much, thank you Lauren for all your help!
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Selma V.
2/22/2023
Veronica was amazing! She helped me get the lowest price same day coverage. She was friendly and has good communication. Definitely recommend
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ceci m.
11/27/2023
Agent Marlon with A+ Insurance is the best. He did everything he could to get me the type of insurance I needed at an incredible rate. I highly recommend working with Mr. Marlon for anyone that is needing any type of insurance.
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Joshua W.
8/29/2024
Marlon Moss with A Plus Insurance was great helping me find insurance after I dealt with lapse if coverage due to identity theft. He looked around for lowest priced insurance with good coverage for us and we got it immediately the same day actually within the same phone call! Marlin is great talk to and has wonderful communication skills. That's why I've given him five stars.
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Arlene H.
1/19/2023
very helpful & patient with all my questions. Found a fantastic rate the honesty couldn’t be beat anywhere else.
Notes: first time Young driver 23 bargain competitive SR22 insurance young driver Colorado Prior insurance. Inexpensive coverage found through Bristol West.
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Samantha A.
6/30/2022
Cameron was awesome ! He made the process of getting my auto insurance simple, fast and he gave me a great quote.
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Abby U.
10/03/2023
Great experience. Young lady, first name Lauren, very helpful and pleasant. Wish I had changed insurance companies years ago!
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Legacy S.
8/21/2021
I have used this company for a long time and I couldn't ask for a better insurance lady. I rate 10/10 recommend Chrystal
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Coleson
3/01/2023
Cam was great, took his time, and helped find me a great deal! Thank you Cam!!!!
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Cristina C.
3/29/2023
Liability only insurance for a great price Notes: Bargain auto insurance with Falcon on a 2011 Chevy Equinox. One driver, two excluded - no proof of prior but eft discount applied. Coverage in Colorado - other products offered: Boat insurance and ATV
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Christian B.
7/07/2022
I have been a value customer for 3 years I honestly can say. A Plus Insurance service is the best I have ever dealt with There are very understanding very knowledgeable and will go out they way to help to have the best coverage for your vehicle at a affordable price The staff is so wonderful & pleasant to talk too they have excellent customer service Mrs.Katie Thank for you Do . Ms.Alexandra who was a great help with the understanding of my renew policy I really appreciate the staff for all you all do Thanks and I hope you as team have a great safe. Happy Independence Day weekend.
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laura g.
7/14/2022
Lauren did a fantastic job helping me find a new policy! She went above and beyond to assist me in a difficult financial time to help me find a policy that worked for me financially. She was kind, efficient and thorough!
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Hanna E.
5/15/2022
notes: single person boat owner 37 buy coverage boat insurance snapshot UT Prior insurance Foremost pontoon boat
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Stephanie G.
4/21/2022
She made this the most painless experience. Helped out with finding the best quote and great sense of humor.