Do you ever wonder how much others are paying for their car insurance? Rates vary from one person to the other, but take a look at what one person could be paying for a 2011 FORD ESCAPE in this Full Coverage Sample Quote.
Do you ever wonder how much others are paying for their car insurance? Rates vary from one person to the other, but take a look at what one person could be paying for a 2011 FORD ESCAPE. The following is Full Coverage Sample Quote.
Liability Limits: $25,000 each person $50,000 each accident, $25,000 for property damage
Uninsured Motorist: Rejected
Underinsured Motorist: Rejected
Medical Payments: Rejected
Comprehensive/Collison Deductible: $1000
In some states, it IS permissible to reject uninsured motorist coverage.
Full Coverage Sample Quote: Insurance Rate Factors
State: Colorado
Gender: Male
Age Group: 60s
Legal Marital Status: Single
Prior Insurance: Yes
Violations: Yes
SR-22: No
Discounts Applied to this Full Coverage Sample Quote:
Education Discount
Paid-in-Full
Paperless Discount
Multi-Vehicle Discount
Automatic Payments
Driving App
Bundle/Multi-Policy Discount
Homeowner
Continuous Insurance
5-Year-Accident-Free: Good Driver Discount
Additional Notes: This person has a good driving record!
Disclaimer: The purpose of this page is to showcase an estimate of what insurance may cost an individual with these products and/or circumstances. This is based on a real Full Coverage Sample Quote.
What Factors Do Insurance Companies Taken Into Consideration When Rating?
Insurance companies take several factors into consideration when rating an individual’s insurance policy. These factors help the insurer assess the level of risk associated with insuring the individual and determine the appropriate premium to charge. While specific factors and their weightings may vary among insurance companies, here are some common factors considered:
Personal information: Personal details such as age, gender, marital status, and occupation can influence insurance rates. For example, younger and less experienced drivers tend to face higher premiums due to a perceived higher risk of accidents.
Driving history: Your driving record plays a significant role in determining your auto insurance premium. Traffic violations, accidents, claims history, and the length of your driving experience are considered. A history of accidents or frequent violations can result in higher premiums.
Vehicle information: The make, model, and age of your vehicle can impact your insurance rates. Factors such as the vehicle’s safety features, repair costs, and theft rates are considered. Newer and more expensive vehicles often have higher insurance premiums.
Location: Where you live affects your insurance rates. Insurance companies consider factors like the frequency of accidents, theft rates, and local repair costs in your area. Urban areas and regions with higher crime rates may have higher premiums.
Coverage and deductibles: The type and level of coverage you choose, as well as the deductibles you select, can impact your premium. Higher coverage limits and lower deductibles generally lead to higher premiums.
Credit history: In some jurisdictions and for certain types of insurance, credit history is considered as a factor. Insurance companies may use credit-based insurance scores to assess risk. Good credit history is often associated with lower insurance premiums.
Claims history: Your previous claims history, including the number and severity of claims, can influence your rates. Individuals with a history of filing frequent or high-value claims may face higher premiums.
Usage patterns: For auto insurance, your annual mileage and the purpose of vehicle use (e.g., commuting, personal, business) can impact rates. Higher mileage or using the vehicle for business purposes may lead to higher premiums.
It’s important to note that each insurance company has its own proprietary rating models and considers various combinations of these factors along with other internal data. Additionally, local regulations and state laws may influence rating practices.
For accurate information about how these factors specifically affect your insurance premium, it is recommended to consult with your insurance provider directly.
6-Month Premium:
$ 1,147.50
Monthly Installments:
$178.50
Curious to see what YOUR quote would be? Click here to fill out an online form to receive a estimate or give us a call at 888-445-2793.
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Crystal was awesome to work with!
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Diane l.
3/15/2023
Katie was awesome, even though I was very irate and frustrated due to her having to re-run everything. Her patience and calmness calmed me down and allowed me to be patient with her. She is the best and I would highly recommend her and her company.
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Takeisha D.
7/21/2021
Crystal helped me and she was amazing!! You guys are so blessed to have her on your Team. Thanks girl! You rock! Don’t change
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Amber K.
6/13/2023
Was amazing and I received a great quote....would definitely recommend
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Chaos G.
10/14/2022
Very Professional and got the job done quick!I worked with Marlon Moss. Thank you for the great service.
Notes: married renter, 34 investment quick non owners now Virginia Prior insurance Diaryland No vehicle listed
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Kelsey W.
6/30/2022
Owner Response:Hi Kelli, the last policy we show with you ended in 2020. Please give us a call and we would be happy to address any concerns you may have, 719-392-4000.
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Kelli C.
5/21/2022
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
Agent was extremely efficient and knowledgeable. She went in depth detail about the policy & statistics in my city. Will definitely be referring friends & family.
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Regina R.
1/05/2023
Marlon ROCKS! He was so helpful & helped me get the lowest rates possible. Highly recommend the company.
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Sierra R.
2/22/2023
I called in about 5 minutes before A Plus insurance closed, because I was hoping for a quick answer about a renewal notice I got. I spoke with Marlon who really took his time to help me. He stayed well after close, and never sounded bothered or irritated. I didn't feel rushed at any time. It was incredible customer service, and I definitely want to continue working with a plus insurance moving forward! Thanks for help Marlon!
Insurance policy notes: Single vehicle, one driver 2013 Ford Focus - Looking for A great value on full coverage insurance.
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Angela E.
6/23/2022
Katie was very helpful in finding me the cheapest quotes and the process was smooth and seamless.
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Landon P.
1/21/2022
Always going above and beyond! They make it easy to find the best rate! I will be using them from here on out!
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Alicia J.
10/08/2022
always a great job and pleasant experience
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Joe V.
2/21/2022
Jola is nice
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Jared F.
11/21/2021
Awesome customer service !!!
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Regina A.
11/24/2023
Very nice and helpful and was able to get me a lower rate then what I was paying!
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TIffany S.
7/21/2021
The agent that helped me was absolutely outstanding! She helped me with everything I needed and laughed and joked over the phone. I’m very happy with my customer service! 10 out of 10
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Jay H.
7/21/2021
Very nice and good
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Jennifer T.
11/26/2023
Policy Notes: Single Young male driver mid 20's lowest quick broad form insurance quotes in Colorado Springs Prior insurance: American Family
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JONATHAN P.
7/21/2022
Lauren was Very perfessional very polite and easy to talk to great experience, and a great quote couldn't of gone better!
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Kaynin C.
11/21/2021
Veronica Miller was super helpful and patient with the whole long process. Very happy to write my new policy. Thank you so much
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Jeffrey M.
11/24/2023
Had a great experience with Veronica and Marlon, highly recommend!
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Blake H.
10/14/2022
great customer services
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Lakisha T.
8/29/2023
I filled out an online request to compare quotes and Katie quickly contacted me and secured a low rate for my auto insurance. I'm very pleased with the professionalism and courtesy provided by my insurance broker.