Car insurance rates can be high, low, or somewhere in between. There are a number of factors that can influence your auto insurance costs. Serving DeRidder, DeQuincy, and Ville Platte, LA, Lemoine Insurance Agency, an independent broker, provides everything from vehicle insurance to group health coverage. To help you receive the best rates, Lemoine Insurance Agency provides information on the several factors that impact your car insurance premiums.
Here are three variables that have an effect on your auto insurance rates:
- Car's Year, Make, & Model: Newer models are typically more expensive to insure than older ones, since they tend to have higher resale values. Safety ratings also have an impact on auto insurance, with safer vehicles being less expensive to insure. Additionally, certain models tend to be more popular with thieves, and if a model has a record of being frequently stolen, it will result in higher auto insurance rates.
- Neighborhood: Vehicle insurance is designed to protect you against negative acts like accidents, theft, and vandalism. If you live in an area in which these problems are prevalent, you'll pay steeper premiums. These issues tend to affect urban areas more than rural ones, so those who live in the city tend to pay the highest auto insurance premiums.
- Driving Record: Drivers with a history of accidents often have high car insurance rates. However, this effect decreases with the passage of time, and an accident that happened five years ago won't have the same impact on your premium as one that happened last month. Maintain a clean driving record to pay the lowest vehicle insurance rates.
Lemoine Insurance Agency offers a broad range of insurance products and affordable rates. This independent insurance agency enjoys relationships with a host of insurance providers, and uses this wide network of connections to get you superior rates on all of your policies. Contact these specialists at (337) 463-4070 in DeRidder, (337) 363-7777 in Ville Platte, or (337) 786-2436 in DeQuincy for a free quote, or visit this agency online.