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By Paul Brucker
When your auto insurance is up for renewal and you get your new bill in the mail, do you feel some suspense before you open the envelope and discover what your premium will be?
Did you know that the “average” policyholder makes a claim just once every 11 years and reports a total loss every 50 years? But auto insurers don’t look at you as average. Rather, they try to see you more closely and relate you to your recent driving occurrences and the historical loss experiences of people similar to you.
Insurers price you according to a bottom line: how likely are you to wind up making or causing a costly claim against them. And to determine the specific cost of your premium, each insurer uses its own proprietary calculations that take into account dozens of factors. Here are factors that generally have the most weight in controlling your premium:
If you haven't compared auto rates lately, it's a great time to take a look. Alliant Credit Union membership could result in some nice auto insurance savings.