Many people are shocked to learn how much of a difference there can be between car insurance rates in San Francisco, CA for two different people. The reason there is such a difference in the amount people pay is that there are many factors that have an effect on car insurance rates. Here are three factors that have the greatest Effect on car insurance rates.
Your Driving Record:
Your driving record has a huge effect on what your car insurance rates will be. If you have a poor driving record, with accidents or tickets, you are far more likely to be involved in, or the cause of, an accident, than someone who has a clean driving record. Because of that, you can expect to pay significantly more money if you have more than one ticket or accident on your record in the past five years.
The Zip Codes You Live in and Work in:
Another factor that affects car insurance rates is the zip codes that you live in and work in. Accidents and car theft may occur more frequently in one zip code compared with another. Unfortunately, if you live or work in one of these high theft rates or areas with an increased accident rate, you will have to pay more for your car insurance in San Francisco, CA. And if you are thinking about lying and using someone else’s zip code to avoid these increased rates, don’t. Your auto insurance company can void your policy if they were to find out.
The Insurance Company you Use:
The last major factor that plays a role in how much your auto insurance will be is what insurance company you use. Plain and simple, some companies charge more for auto insurance than other companies. Because of this, you will end up paying more or less, depending on which auto insurance company you use.
If you are looking for new car insurance in San Francisco, CA, then contact an agent at Pennbrook Insurance Services, we specialize in car insurance coverage, and can help protect the business that you worked to build. To learn more, visit Pennbrookins.com.
