No two auto insurance plans are created equal. A part-time driver over the age of 55, for example, will have a different auto insurance plan than a full-time driver in their twenties. When you apply for a new insurance policy, there are many factors your insurance agent will take into consideration to give you the best, most accurate insurance quote. Trust Texas County Mutual Insurance of Licking, MO, to provide all the information you need to make an informed decision.

Here are three factors that will influence finding the best insurance quotes for your particular driving situation:

• Your Age: Seniors typically receive a discount on their auto insurance. This is because seniors don't drive as much and are experienced drivers who tend to go slow and stay safe. New, younger drivers may pay a higher premium depending on how far and how often they drive.  
• The Kind Of Car You Drive: If you drive an expensive sports car, expect to pay more to insure it. This is because it will cost more to repair if you’re involved in an accident. However, if you only drive the car part-time, this will also influence the premium rate.
• Where You Live: If you live in an area with a high rate of crime, including vandalism and vehicle theft, your premium will be higher. Urban drivers can expect to pay more than rural drivers simply because there are more car accidents in urban areas.

To find the best insurance quotes for your unique driving situation, consider all the variables before choosing a policy. You may also find discounts that apply to your situation, so ask an agent. Call Texas County Mutual Insurance in Licking at (573) 674-3125 to find out more about the right auto insurance policy for you. You can also visit their website for more information about home insurance, farm insurance, and more.