The agents at Charles Adams Insurance Agency have provided their neighbors in Ashland, KY, and the surrounding communities with car insurance policies to fit their budgets and satisfy their needs. For more than 100 years, they have guided customers to plans that offer maximum coverage at an affordable rate. Whether you are purchasing auto insurance for the first time or searching for better rates, it helps to understand the factors insurance companies consider when calculating your rates.

In addition to the make and model of your car and the vehicle’s safety ratings, an insurance company will look at:

• Driving Record: Your auto insurance rates are based heavily on the quality of your driving record. The insurance company will look at accidents you were involved in, moving violations you received citations for, and whether or not you had your license suspended or revoked. Drivers with clean records tend to have less expensive rates, as they are considered a lower risk.
• Demographics: If you are a single male under age 25, you can expect to pay higher premiums than a woman of the same age. Statistics show men are involved in more accidents and, consequently, pay higher premiums. Those under 25 and over 65 are also considered higher-risk drivers, which their rates reflect. Married couples and students with good grades tend to have lower premiums.
• Location: Where you live also plays a significant role in your car insurance rates. People who reside in areas with heavy traffic or high crime rates, such as major cities, tend to have higher premiums.

Charles Adams Insurance Agency has access to some of the top insurance companies in the country. With such a wide selection, their customers secure reliable car insurance policies at fair rates. You can learn more about their services as an independent agency on their website. When you are ready to receive quotes, call their friendly agents at (606) 325-9709.