If you own a car, you know the risks that come along with it. The roads are no more a safe place these days with accidents becoming a common occurrence. But you can protect yourself and your car by getting car insurance from a trustworthy company. Doran Insurance & Services has been serving the community for the past 8 decades and we offer policies that provide the right amount of protection, covers all the important aspects, and all at the best rates possible. Whatever be the vehicle you own, an RV, ATV, motorcycle, boat, or personal watercraft, we have a policy for them all. The residents of Macomb, IL, Aledo, IL, Burlington, IA, Oquawka, IL, Roseville, IL, and Stronghurst, IL will even be eligible for Home-auto, Multi-policy, and Multi-car discounts from us.
Below we have mentioned 3 key factors that affect your car insurance rates. Take a look.
- Driving Record
Whether you are a safe driver or not? Whether you have a clean driving history? All these factors affect your interest rate. If your motor vehicle record is clean, then you might qualify for a good driver discount; but if you have been charged with a ticket, you might get a surcharge.
- Credit History
A lower credit score might result in high premiums. The score is low due to more claims or insurance fraud. This score even affects your payment procedures. Since there’s a risk that you might miss a payment, the company might ask for a large share of the policy up front.
- Use of the vehicle
How you use your vehicle will have an effect on your premium rates. For example, if you travel long distances frequently, then you might have to pay hefty premiums whereas if you take out your car just on the weekends, your policy will cost you less.
So, if you are looking for car insurance with good coverage options, you can get in touch with us.