Do you know what the limits are to your auto insurance? Many people in Bossier City, Haughton, Mansfield, LA, Natchitoches, Shreveport, Vivian, LA, and the surrounding areas may think that they have more coverage than they really do. If it’s been a while since you have reviewed your auto insurance, get in touch with Parnell-Robinson Insurance to talk with one of our independent agents. You may think that the minimum coverage levels are enough protection, but you will quickly find out with an accident that those minimums barely cover things. Be sure that you have enough auto insurance and contact our team today to learn more.
What Affects Auto Insurance Rates
While it might be nice if we all paid the same rates for auto insurance, the truth is that some people are not as good of a driver as others. Because of these disparities it makes sense that those who have a better driving record would pay less in auto insurance than those who have a worse driving record. Whether that is the number of violations that a driver has received to the number of accidents that a driver has been in can all affect auto insurance rates.
For some insurance companies that offer auto insurance, they may also use your credit score in determining your insurance rates. Your final rate for your auto insurance will be a number of calculations that determine the risk you represent to the insurance company. This is why it is important to work with an independent insurance agency so that we can shop the market for you to find the best auto insurance.
Auto Insurance Rates Vary Widely
You may be surprised to learn that different insurance companies that offer auto insurance can often have very different rates that you would pay with them. Each insurance company uses their own formula to calculate the insurance rates they charge customers, and this can result in some wildly different auto insurance rates. In some cases hundreds of dollars can be the difference from one company to another.
Not only is auto insurance required when you have a vehicle in Bossier City, Haughton, Mansfield, LA, Natchitoches, Shreveport, Vivian, LA, and the surrounding areas, but it is important that you have the right amount of auto insurance. Talk with our team at Parnell-Robinson Insurance today to review your current coverage.