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!
CRYSTAL FARLEY. Best in the business. I have gone through many insurance companies and none of the representatives are as patients and willing to help as much as crystal FARLEY. I am very thankful for such an amazing customer service and the laughs shared through our conversations. You are so amazing and very helpful. We need more crystals in this line of work and I hope and pray you the very best and I WISH YOU GET A BIG RAISE 😂. very professional and amazing help. Thank you crystal
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Nakayama M.
2/22/2023
Ive been working with them for years. Always responsive and helpful
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Mitchell K.
7/21/2021
Great customer service, attentive and patient with all the questions I had. Would recommend to friends and family who are looking for any coverage.
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Dan V.
12/21/2021
She went out her way on a Saturday to make sure I was insured. I was super happy and I drove away within an hour.
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Abigail A.
11/21/2021
Truly an incredibly smooth and easy experience when looking for auto insurance thanks to Crystal!
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Chandler P.
8/30/2023
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
I would like to leave a review for A-plus Senior Agent Lauren McKenzie. She has been such a huge help since day 1 when she helped me get my brand new policy with Progressive. She always goes above and beyond by answering all my questions, every time I email her she is quick to respond, she listens to my concerns and helps me save the most money on each policy renewal. You are lucky to have her on your team. Thanks Lauren I appreciate you 🙂
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Keri P.
9/19/2023
Great job 👍
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DON R.
11/17/2023
Lauren was exceptional in every way.She was very professional, helpful and so nice.
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Tom M.
7/20/2023
Krystal was very helpful in getting me a good rate on my insurace!
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Dylan
4/14/2023
Jola is very nice and professional. I looked everywhere and she gave me a quote I never thought I could afford. I thought the other reviews were fake, but I was so so wrong; it's true, A Plus is the best.
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Valerie C.
8/21/2021
All agents are super helpful, knowledgeable, friendly and efficient.
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Jerrica
7/21/2021
These people always take the time to care for my needs. I am glad I have found them. I think it's been 10 years now
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Timothy
11/28/2023
Crystal was awesome she made the process very easy. She answered all my questions I would recommend A Plus Insurance to my friends and family
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Charles A.
1/04/2023
I searched and searched for a insurance company that would give me a reasonable quote without judging me on my past. I finally found it and I have no plans to let it go anytime soon.
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Josh S.
10/21/2021
Lauren was great to work with. I found her to be very patient and helpful as we worked through the best coverage for the right price. I like that one place will check with several companies for the best price, certainly makes insurance shopping easier. Great experience and would definitely recommend to others. Thanks Lauren.
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RJ K.
7/21/2021
Always quick and personal service
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Yourpowersports h.
10/17/2022
I spoke with both Crystal and Lauren; and they were both so nice and courteous, but also very professional and informative. Excellent customer service!
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Scotty C.
7/21/2021
This place cut my insurance rates in half, for the same coverage I had previously. I worked with Veronica Moss , and she was very patient and knew what she was doing👍🏽👍🏽 EVERYTHING IS DONE BY PHONE AND EMAIL FOR THIS COMPANY
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Sanchez F.
8/15/2022
Always trust this insurance
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Evelina G.
3/15/2023
Lauren McKenzie was awesome!!! She helped me right out of my situation!
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Shawn B.
7/30/2022
This car insurance agency was the best I’ve used so far! I was able to find the best quote for what I could afford. Marlon, the agent who helped me was really professional and friendly. During this stressful time in my life, I found this company to be extremely helpful. Customer service was over and beyond my expectation.
Notes:married student 26 quote Discounted liability only young driver MI Prior insurance Safeco Driving an Infinity
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Mua S.
6/23/2022
I'm GLAD I found this insurance company! I had the pleasure of speaking with a very considerate agent named Sy sopko! he made my day with his funny sense of humor. he was very polite and got me a very good insurance policy for 2 of my car's for a very awesome price! I totally recommend this insurance company if your looking to get some reasonable insurance from a very down to earth agent! thank you again Sy and take care! 😊
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Red2thebone
7/21/2020
notes: married male driver 45 purchase cheap renters insurance automobile Michigan Prior insurance Diaryland Mazda