Numerous different factors impact the rate you get on your auto insurance. To get the best prices possible, it’s important to understand these factors and learn what you can do to control them. The independent insurance professionals from Kalita Agency in Watertown, CT, offer excellent rates on auto, commercial, and life insurance.

These five factors affect your auto insurance rates the most: 

• Driving History: The best way to keep your auto insurance rates reasonable is to avoid tickets, accidents, and filing claims. Even if the accident is not your fault, it can still affect your future insurance rates. Keep a clean driving record and avoid unnecessary claims to enjoy lower rates.
• Driving Habits: The more time you spend in your car, the more likely you are to get in an accident or incur damage that requires an auto insurance claim. Therefore, if you drive often, as part of your job or if you have an exceptionally long commute, your rates will be higher. 
• Car Type: As the independent insurance experts from Kalita Agency explain, the type of vehicle you drive is closely linked to your auto insurance rates. The pricier your car is to repair and the lower the safety ratings are, the more you’ll pay. To lower your auto insurance rates, opt for a reliable car that’s affordable and safe. 
• Location: Where you live, drive, and park factors into your auto insurance rates. People who live in massive urban centers and park on the street will likely pay more than people who reside in rural areas and place their vehicles in private garages.
• Insurance Coverage Needs: The agents from Kalita Agency are experts at balancing deductibles and premiums in a way that suits their client’s needs. Some people prefer higher coverage plans that cost more each month but provide more comprehensive coverage in case of damage, while others opt for lower coverage plans that have inexpensive monthly costs but high deductibles. 

To learn more about balancing your auto insurance needs with your budget and lifestyle, reach out to the team at Kalita Agency. Their independent agents have access to hundreds of plans and they can help you customize an auto insurance policy to suit your needs. Call now at (860) 274-8882 or visit them online to get a quote today.