Auto Insurance in Hialeah, FL & Pembroke, FL
Auto insurance rates can vary significantly based on various factors, and understanding these can help you make informed decisions about your coverage. Each data point used by insurers plays a role in determining your auto insurance cost. Understanding these factors can help you shop for favorable rates.
Factors That Impact Your Auto Rates
Several factors influence your Florida auto insurance rates. One of the primary factors is your driving record. A clean driving history with no accidents or violations typically results in lower premiums, while a record with multiple incidents can lead to higher rates.
Your age and experience as a driver also play a significant role. Younger drivers, particularly teenagers, often face higher premiums due to their lack of experience and higher risk of accidents. More experienced drivers with a history of safe driving typically experience lower rates.
A history of at-fault accidents and traffic violations can cause higher premiums. If you must file an SR-22 or FR-44, it’s crucial to shop around for appropriate insurance coverage.
Another crucial factor is the type of vehicle you drive. Cars with high safety ratings and advanced safety features may qualify for discounts, while luxury or high-performance vehicles can increase premiums.
Florida insurers can legally use insurance-based credit scores to help determine the risk that drivers will file a claim. In general, higher credit scores mean lower insurance rates. Your agent can help you understand how your credit status may impact your auto insurance premiums.
We’re Here to Help
Contact Government Insurance Corp to learn more about your car insurance options and get a quote.