While you are looking for the perfect insurance coverage for your vehicle, have you ever wondered why the rates are so high in some agencies? Let our agents at SBC Insurance Agency guide you through the various factors depending on which the rates of your car insurance vary. Automotive insurance is a field that we excel in from basic personal auto coverage to extensive family Auto coverage and even high net worth and classic car collectors. Our agents have the expertise and the knowledge to assess the risk of our clients and accordingly look for policies that will suit all their requirements. With SBC Insurance Agency you will get the best combination of cost and coverage.
Below we have mentioned the 2 important factors that will affect your car insurance rates. Take a look.
- Driving record
As a driver how safely you drive a car plays a very crucial role in determining your insurance rate. Having a clean record will not only get you better rates but will also qualify you for a good driver discount. Whereas, a major violation or a rocky history can lead to an increase in your premium rates. Even something as minor as a speeding ticket can hamper your record; it might not substantially increase your rate but you will lose out on the discount.
- Use of the vehicle
How you use your car also affects the rate of your premiums. If a car is seldom taken out for a ride, it will fetch low rates, but if a car is used daily for school or office commute purposes then it faces greater risks of damage; this raises the insurance rate. Also, a car used for business purposes will be charged more than those used for personal purposes.
So, if you live in the regions of Mountain View, Sunnyvale, Menlo Park, Palo Alto, Loyola, CA, Stanford, CA, and you want car insurance, you can contact us.