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What Can Affect Your Auto Insurance Premium

Little & Sons Insurance Group / Archive  / What Can Affect Your Auto Insurance Premium
auto insurance in banning

What Can Affect Your Auto Insurance Premium

Your auto insurance in Banning is determined by outside factors, over which you have some level of control. 

Auto insurance in Banning, and in every other part of the world, is determined by using statistical mathematics. More specifically, ascertaining probability through multiple variables in order to calculate a driver’s “risk-factor,” or, the chances that he or she (the driver inquiring on about auto insurance) will file a claim due to a covered incident. What are these factors and what say do they have on your auto insurance premium?

Residential Zip Code

Every zip code has a crime-rate. The difference between any two could be insignificant, in which your auto insurance premium may not be affected. Or it could be dramatic, even if it is just down the street. Increased crime rate means that your chances of filing a claim increase, thus, increasing your risk-factor and your premium.

Car Make & Model

Certain cars have certain safety features which can really make a difference when it comes to filing a claim. If your car’s safety features lower your risk of injury, your auto insurance premium will reflect this. The safer your car, the lower your premium.

Driving History

History tends to repeat itself: politically, geologically, societally, et cetera–almost as if repetition is intrinsically built into the universe itself. Your driving history is a way for auto insurance companies to get a glimpse into the future of your driving. The cleaner your history, the lower your premium. Inversely, the messier your driving history, the higher your premium.

No matter your driving risk, you need the right auto insurance in Banning. Contact the independent insurance professionals at Little & Sons Insurance Services for all of your car insurance needs in Banning, Beaumont, Calimesa, and surrounding California areas. We will work with you to find the coverage you deserve!

Little & Sons Insurance Services

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Little and Sons Insurance Services is your complete insurance resource. Since we were established in 1922, we assist individuals and business owners with all of their insurance needs, whether it be for auto, home, or commercial insurance. As an independent, full-service insurance agency, our duty is to our clients’ best interests.

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After 23 Years of serving our clients at our location in Beaumont, CA it is with a heavy heart that we are consolidating our operations to our Banning Office. We will be available all the same hours and will work to make this transition as smooth as possible. Thank you for your continued business and we look forward continuing to serve your insurance needs. Our contact information will stay the same so feel free to contact us.

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