Auto Insurance Providers Albert Lea MN

This page provides useful content and local businesses that can help with your search for Auto Insurance Providers. You will find helpful, informative articles about Auto Insurance Providers, including "About Auto Insurance Rates". You will also find local businesses that provide the products or services that you are looking for. Please scroll down to find the local resources in Albert Lea, MN that will answer all of your questions about Auto Insurance Providers.

Allstate Insurance Companies
(507) 373-7074
206 West Clark Street
Albert Lea, MN
 
Rechtzigel- Gary E - State Farm Insurance Agent
(507) 373-7717
1506 East Main Street
Albert Lea, MN
 
American Family Insurance
(507) 377-7328
1907 East Main Street
Albert Lea, MN
 
New Richland Insurance
(507) 465-8111
132 Broadway Avenue North
New Richland, MN
 
Farmers Insurance
(507) 433-1033
1105 West Oakland Avenue
Austin, MN
 
Vanderwaerdt- Nancy
(507) 377-0227
504 Bridge Ave
Albert Lea, MN
 
Klatt- David J
(507) 373-2377
106 S Broadway Ave
Albert Lea, MN
 
Dawald- Jc
(641) 324-2141
88 8th St N
Northwood, IA
 
New York Life Insurance CO
(507) 433-2115
604 8th Street Southwest
Austin, MN
 
Schmitz- Mark S
(507) 553-5028
10 N Broadway
Wells, MN
 

About Auto Insurance Rates

Posted by Staff (07/18/2010 @ 1:33 pm)

You’ve just finished a conversation with a friend and are fuming that your auto insurance is so much higher. While that’s legitimate, more goes into figuring out rates than most people realize. When it comes to determining how to charge a client, insurance companies rely on one denominator to determine price: risk. This isn’t something that an insurance company determines by punching facts into a computer. They calculate risk over time to determine what age groups, types or drivers, and types of vehicles lead to the most accidents. Most insurance companies consider three things when they calculate your risk.

Insurance companies look at age to determine a basis for maturity and driving ability. Adults between 25 and 45 are much less likely to get in an accident than a distracted teen or an elderly driver. Teens are less mature, have less driving experience, and are more easily distracted than people over 25. As people age, they may lose the ability to react in a driving situation. Some people experience deteriorating eye sight.

Another consideration is your driving history. If your record shows violation after violation, an insurance company is going to assume you are more of a risk than a person with a clean driving record. Most violations fall off driving histories after a few years, so wait a couple of years and ask for a policy re-evaluation. In the meantime, if you get another ticket, consult a lawyer about ke...

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