Car Insurance

What types of Auto Insurance Policies are Available?

While there are many endorsements and additional coverages you can add to an auto insurance policy, there are two main policy types; Basic and Standard.  A Basic policy is often less expensive than a standard policy, although it provides limited benefits.  A Standard policy will often be more expensive although you will have more benefits and coverage options.

What Determines the Cost of Auto Insurance?

There are several factors that go into determining an auto insurance premium, below is a small sample:
Driving Record – If you have been in multiple at-fault car accidents or have motor vehicle violations such as tickets, your auto insurance premium will often increase.
Where you Live – There are different rates for insurance based on areas you may live which can affect premium.
Vehicle Type – The make, model and value of your car factors into your auto insurance premium. In
general, a newer car will cost more to insure while an older vehicle will cost less.
Vehicle Use – If you live far from where you work or go to school, chances are you will be paying a
higher premium then a person who has a far shorter distance to drive to work or school.

Get a Car Insurance Quote Today!

Ready to find out more? Click on the quote request button now and let the professionals at CJ Insurance help you get the best possible auto insurance to help you protect all of your auto needs.