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!
I'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.
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NANCY M.
9/28/2023
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
Not a good idea for insurance
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Garfield V.
10/25/2023
Above and beyond service from Misses Crystal Farley! I highly recommend this insurance company!
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MrLeonard786
9/11/2023
My Rep Jola was very helpful and handled the whole process of getting my motorcycle insured quick and painless. She communicated very well and explained everything in great detail.I couldn’t be happier using them to get insurance.
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Nolan W.
7/21/2021
A-Plus Insurance Agency is awesome to work with. Agent Jola is very helpful and friendly, has excellent customer service, and very knowledgeable!
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Tiffany T.
1/21/2022
Crystal was great very responsive and quick with the quote, she has great customer service and was very polite!
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Ashley B.
7/21/2021
Katie was great! She got me a new policy at about half the price of my old policy, she made whole process a very smooth and easy experience.
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Ron S.
7/14/2022
Crystal Farley was very helpful in my pursuit to find auto insurance, Customer service was spot on and it was a very quick and easy process. I would very much recommend any one that wants to be taken care of for insurance purposes to this branch and company. Thank you Again!
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Anthony P.
7/21/2021
Wow! Working with Marlon, he saved me $50 a month! He worked diligently to get the best rate for me. Great service!
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Debra M.
9/19/2023
Very friendly and fast, when my insurance wasn't working any more I didn't know what to do. They helped me but back on the road with great coverage/pricing! Thanks!
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Peyton
9/27/2023
Jola is nice
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Jared F.
11/21/2021
Notes: single landlord age 42 investment in a liability only policy to fix a suspended license. broad form premium Utah Prior insurance Viking Ford escape to be added later.
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Nydia's L.
6/21/2022
The agent I spoke to was very nice and super helpful, made the whole process easy
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Jay T.
7/20/2023
Marlon,was very helpful and quick. His Politeness was Appreciated.
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Alfaro H.
11/24/2023
Was amazing and I received a great quote....would definitely recommend
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Chaos G.
10/08/2022
Crystal was amazing, friendly good customer service and got me insured incredibly fast!
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De'Onjra G.
11/24/2023
Very Professional and got the job done quick! I worked with Marlon Moss. Thank you for the great service.
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Kelsey W.
7/14/2022
Service was fast and easy. Lauren was able to work with me in finding the best quote for me. Thanks.
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michael c.
7/21/2021
Very professional!
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AUTRA25
7/21/2021
She was really helpful and nice
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Keisha K.
1/01/2023
Katie Sopko Is 100% on point! She made my purchase fun and easy! Super professional and Classy! Look forward to doing business with her.
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Jeremy K.
7/21/2021
Amazing and dedicated staff very reliable great insurance great rates. Jola and Crystal are very helpful and awesome!
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Eric R.
3/21/2022
Thank you so much for helping me get my husband insurance