What Affects Your Insurance Cost?

Accidents and violations can increase your premium by 20-50%.

Your credit-based score is one of the strongest predictors of claims.

Your ZIP code affects rates based on crime, weather, and traffic patterns.

Younger drivers pay more; rates typically drop after age 25.

Past claims — even not-at-fault — can affect your premium.

Safety ratings, theft rates, and repair costs all affect your rate.

Older homes with outdated systems cost more to insure.

Higher deductibles lower your premium; higher limits raise it.

Bundling auto + home can save 10-25% on both policies.

Anti-theft devices, security systems, and safety features earn discounts.