Your liability insurance rate isn’t a fixed number – it’s carefully calculated based on your unique situation as a driver. Here’s what goes into determining your final rate:

Driving Experience and Records

• Your experience level matters – we look at how long you’ve held your DMV and TLC licenses
• Active points on your DMV record can affect your rates
• Your accident history is reviewed, including incidents with pedestrians and cyclists
• Both at-fault and not-at-fault accidents are considered in rate calculations

Vehicle Specifics

• The age of your vehicle plays a role in rate determination
• Vehicle weight is factored into your rate calculation
• Commercial vs. personal registration can impact your premium

Policy Details

• Individual vs. corporate policy status affects your rates
• Claims involving undisclosed drivers can influence future premiums
• Having different drivers involved in accidents than those listed on your policy impacts rates

Risk Reduction

• Completing a Defensive Driving Course (DDC) can help lower your rates
• Your loss run history shows your long-term risk profile
• Clean driving records often qualify for better rates

Regulatory Factors

• State insurance regulators must approve rate increases
• Insurance regulations can affect base rates and increases

Remember: Every factor matters, and maintaining a clean driving record with proper documentation is your best path to favorable rates. Our team can help you understand how these factors specifically affect your premium.