{"id":160,"date":"2023-04-25T13:26:15","date_gmt":"2023-04-25T19:26:15","guid":{"rendered":"https:\/\/www.smollerinsurance.com\/blog\/?p=160"},"modified":"2023-05-25T10:13:34","modified_gmt":"2023-05-25T16:13:34","slug":"how-is-your-auto-insurance-premium-determined","status":"publish","type":"post","link":"https:\/\/www.smollerinsurance.com\/blog\/how-is-your-auto-insurance-premium-determined\/","title":{"rendered":"How Is Your Auto Insurance Premium Determined?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.smollerinsurance.com\/blog\/wp-content\/uploads\/2023\/04\/How-Is-NCB-Calculated-In-Car-Insurance-1024x683.jpg\" alt=\"\" class=\"wp-image-163\" width=\"502\" height=\"335\" srcset=\"https:\/\/www.smollerinsurance.com\/blog\/wp-content\/uploads\/2023\/04\/How-Is-NCB-Calculated-In-Car-Insurance-1024x683.jpg 1024w, https:\/\/www.smollerinsurance.com\/blog\/wp-content\/uploads\/2023\/04\/How-Is-NCB-Calculated-In-Car-Insurance-300x200.jpg 300w, https:\/\/www.smollerinsurance.com\/blog\/wp-content\/uploads\/2023\/04\/How-Is-NCB-Calculated-In-Car-Insurance-768x512.jpg 768w, https:\/\/www.smollerinsurance.com\/blog\/wp-content\/uploads\/2023\/04\/How-Is-NCB-Calculated-In-Car-Insurance.jpg 1254w\" sizes=\"auto, (max-width: 502px) 100vw, 502px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Unfortunately, prices are going up everywhere, including insurance rates.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Insurance premium is determined by several factors. These factors evaluate the <strong>risk<\/strong> the insurance company takes on by insuring you. The company want to reduce their risk of paying out on expensive claims. So, if they consider you more likely to have claims, your premium will increase.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"text-decoration: underline;\"><strong>Here are some key factors that may affect your auto insurance premium:<\/strong><\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Driving record\n<ul class=\"wp-block-list\">\n<li>This includes any speeding tickets, driving violations, or anything else that gets a point on your license.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>At-fault accidents\n<ul class=\"wp-block-list\">\n<li>Carriers may consider at-fault accidents as an indicator that you are more likely to incur more accidents in the future.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Annual mileage\n<ul class=\"wp-block-list\">\n<li>If you drive less, you are simply statistically less likely to get in an accident.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>The drivers on your policy\n<ul class=\"wp-block-list\">\n<li>Newly licensed drivers or drivers with points on their record are considered more &#8220;risky&#8221;.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>The condition of your car\n<ul class=\"wp-block-list\">\n<li>Newer cars and cars with modern and unique technologies are likely to cost more to repair or replace in the case of an accident.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Inflation\n<ul class=\"wp-block-list\">\n<li>Inflation impacts everything &#8212; including auto parts, labor, rental rates, medical fees, and more. Insurance companies cover those fees in the case of claims, so they have rapidly rising bills as well.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">While inflation unfortunately cannot be helped, you <em>can <\/em>control those other factors!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Additionally, many insurance companies offer useful discounts you can take advantage of. The simplest and most universal is to bundle your home and auto policies together. Many companies offer <a href=\"https:\/\/www.smollerinsurance.com\/blog\/earn-a-discount-by-driving-safely\/\" target=\"_blank\" rel=\"noopener\" title=\"\">discounts for safe driving<\/a> as well. Another convenient discount available for Mapfre policyholders in MA is the <a href=\"https:\/\/youtu.be\/TUqAcpy_JsI\" target=\"_blank\" rel=\"noopener\" title=\"\">Pan-Mass donation discount<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;d like to work on lowering your premium, give us a call at 617-965-1830! We&#8217;d be happy to collaborate on saving you some money.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Unfortunately, prices are going up everywhere, including insurance rates. Insurance premium is determined by several factors. These factors evaluate the risk the insurance company takes on by insuring you. The company want to reduce their risk of paying out on expensive claims. So, if they consider you more likely to have claims, your premium will [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-160","post","type-post","status-publish","format-standard","hentry","category-insurance"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.0.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Unfortunately, prices are going up everywhere, including insurance rates. Insurance premium is determined by several factors. These factors evaluate the risk the insurance company takes on by insuring you. The company want to reduce their risk of paying out on expensive claims. So, if they consider you more likely to have claims, your premium will\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"Sarah White\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.smollerinsurance.com\/blog\/how-is-your-auto-insurance-premium-determined\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 5.0.0.1\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Blog | Smoller Insurance Agency -\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"How is my auto insurance premium determined?\" \/>\n\t\t<meta property=\"og:description\" content=\"Unfortunately, prices are going up everywhere, including insurance rates. Insurance premium is determined by several factors. These factors evaluate the risk the insurance company takes on by insuring you. 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