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.
Need Some Proof? Check Out Some of Our Reviews!
Camron helped me find a great rate and was really helpful in helping me understand each part of the policy, would definitely recommend!
read moreread less
Owen F.
3/15/2023
Very helpful
read moreread less
Steven T.
8/30/2023
I've used A+ insurance for years, best value out there and truly focused on customer service.Highly recommend!
read moreread less
Jeny B.
7/21/2021
Lauren is the most amazing and helpful agent I have ever had. She thoroughly explained and presented me with options, was very personable and patient, supportive and kind! And I’m so happy to be insured with her as my agent. If you get the option to have her as your agent, consider yourself lucky! Her communication, direction and awareness of what was necessary to become insured made it possible for me to get what I need to move forward!
read moreread less
Kye
12/08/2023
My agent Amanda Moss did an outstanding job. I got Mossed tonight and now I can get my license. Thanks Amanda
read moreread less
Albert L.
12/24/2023
When I called I was given very high quality of care by Lauren and she got me an extremely low price for my car insurance! Everything was fast and easy and they made me feel safe and secure.
read moreread less
Samuel S.
7/21/2021
Marlin was very helpful and personable. He helped me so much.
read moreread less
TrashDash
2/02/2023
Alexis was very good and was a big help
read moreread less
Ellanna M.
12/07/2023
Great Customer Service & very patient with me . I got the lowest rates and I am covered thanks to A Plus .
read moreread less
Jaylin R.
8/14/2022
Veronica was super helpful with finding me the most affordable car insurance. She answered all my questions and made sure I understood the whole process, since this was new to me! I would definitely recommend her to others!!
read moreread less
Andrea I.
6/14/2022
Great customer service and affordable rates!!!! Highly recommend!!!
read moreread less
Jason D.
4/25/2023
The rep I had was wonderful. He got me the best price for auto insurance and made sure I had everything I wanted for coverage. Marlon did a wonderful job.
read moreread less
Ariel P.
11/11/2022
Lauren was a great help thanks
read moreread less
Bo W.
11/25/2022
Alexandra was a great help! Thank you for the excellent service.
read moreread less
GinaRochelle01
9/14/2022
Katie was excellent and extremely helpful! She went above and beyond what she needed to do to help me. Totally satisfied with everything.
read moreread less
John B.
7/21/2021
Helped me switch insurance and saved me 15% or more within 15 minutes! Exceptional service!
read moreread less
Elliott N.
9/14/2022
Very sweet lady I talked too! She was very patient and helpful. Definitely happy I called them!
read moreread less
Brittny R.
7/21/2021
Lauren was exceptional in every way.She was very professional, helpful and so nice.
read moreread less
Tom M.
7/20/2023
I was taken care of quickly and happy with the price thanks again!
read moreread less
Kimberly C.
7/21/2021
Crystal was awesome to work with!
read moreread less
Diane l.
3/29/2023
Cameron was awesome ! He made the process of getting my auto insurance simple, fast and he gave me a great quote.
read moreread less
Abby U.
10/03/2023
Very easy insurance transaction and extremely helpful 👌
read moreread less
Ron B.
3/08/2022
Absolutely amazing customer service and took the time to make sure we got the best deal.
read moreread less
Maha L.
11/28/2022
Jola did an excellent job from the time we changed vehicles through the time when our policies renewed, all within a month. Very knowledgeable and provided outstanding service. By changing auto insurance companies and modifying our coverage she worked hard and saved us about $1,000. Highly recommend.