Every vehicle insurance provider uses a different formula to calculate your premiums, which are based on a wide variety of factors. Action Auto Insurance Agency, located in New London, CT, has been providing customers with personalized services since 1986. They explain a few of the things that affect your car insurance premiums.

Auto insurance premiums depend on many different variables, including:

• The Amount of Coverage: One of the most important features that impact the cost of your premiums are the number of damages your policy covers and the size of your deductible. Generally, the higher your deductible, the lower your monthly payment will be.
• The Type of Car: Based on data about the safety of each vehicle, insurance providers offer discounts for drivers who own certain types of vehicles. Cars with lower rates will generally be more expensive to insure.
• How Much You Drive: Driving longer distances more often increases the likelihood that you'll get into an accident, so your premiums will probably be higher than those for car owners who drive less.
• Location: The road conditions where you live contribute to your chances of being in an accident, but so do rates of theft and vandalism. In most cases, you'll pay more for living in an urban area as opposed to a rural environment.

Action Auto Insurance Agency is an independent agency that maintains relationships with top insurers across the country, which gives them an extensive variety of insurance products to choose from. Drawing on their extensive experience, these insurance experts will help you find the best policy for your needs at the lowest premiums available. Visit their website to learn more, or call (860) 444-7224 to schedule an appointment today.