When shopping around for auto insurance quotes, the figures you get back can seem completely arbitrary, especially when one company's price differs dramatically from another's. How do insurers calculate their rates, and what factors are the most important? Jenkins & Bevan Insurance, one of Lorain County, OH's leading independent insurance providers, sheds some light on the sometimes-confusing calculations behind your auto insurance quote.

Insurance carriers consider a variety of elements when calculating your premiums, including:

• Driving Record: Almost every insurance company estimates the likelihood that you’ll get into an accident based on your driving history. If you have a few tickets on your driving history and more than one or two accidents, you can expect to pay higher premiums than someone who's never been pulled over.
• Demographics: Insurance companies are constantly analyzing statistics to determine which demographic groups are more likely to be involved in an accident. In general, men are more likely to cause a crash, while married people are less likely to have an accident than their single counterparts. Your age also has a fairly significant impact on your insurance rates, but all of this can be canceled out by your personal driving record.
• Location: Driving conditions and crime statistics in your area along with the type of car you drive can tell an insurance company a lot about whether you're likely to file a claim. In general, drivers living in dense, urban neighborhoods will pay more than those living out in rural areas, even though they might drive less often.

Since 1954, the experts at Jenkins & Bevan Insurance have provided Ohio drivers with the best policies for their needs, chosen from a network of some of the nation's leading carriers. Visit their website to learn more about their dedication to service, or call (440) 984-6771 to schedule an appointment and get your auto insurance quote today.