Insurance premium rates can seem somewhat arbitrary, with major differences between some carriers' prices and large price jumps due to seemingly minor factors. However, as the Progressive agents at Robert Taylor Insurance in Lorain, OH, explain, there are several factors that always have a major impact on your auto insurance rates.

While various companies might weigh these factors differently, your car insurance will always be impacted by the following aspects:

• Coverage Amount & Deductible: Every driver is required to carry a certain minimum amount of liability insurance. However, you can choose to have additional coverage and higher limits, which will impact your rates. Insurance companies also allow you to choose your own deductible, with higher out-of-pocket expenses resulting in lower monthly premiums.
• Make & Model: Some vehicles are more prone to damage than others, and certain models are more attractive to car thieves. If your vehicle boasts above-average safety ratings and anti-theft measures, you'll likely pay less for your insurance premiums.
• Mileage: The more miles you drive every month, the greater your chances of being involved in an accident. Drivers who spend more time on the road can expect to pay higher premiums.
• Driving Record: Your abilities as a driver also have a major impact on how much you'll pay for insurance. Drivers with minor accidents and moving violations will have higher premiums than those with a spotless record.
• Location: More accidents, property destruction, and theft occur in cities, so urban drivers will receive higher quotes than those who live in rural or suburban areas.

Since opening in 1989, Robert Taylor Insurance has provided drivers throughout Lorain and the surrounding areas with car insurance from one of the nation's leading carriers. With years of industry expertise, these agents can help you select the best insurance policy for your needs. To learn more and request a car insurance quote, visit their website or call (440) 277-5191 today.