Auto Insurance Coverage in Asheville, NC

Factors Affecting Auto Insurance Premiums

Discover the various factors that influence your auto insurance premiums, including your driving record, age, location, vehicle make and model, and credit score.

Choosing the Right Deductible and Limits

Learn about the factors to consider when selecting your auto insurance deductible and coverage limits, ensuring the right balance between affordability and adequate protection.

Types of Auto Insurance Coverage

Understand the different types of auto insurance coverage available, including liability, collision, comprehensive, uninsured/underinsured motorist, and personal injury protection (PIP).

Results from your area

  • AssuredPartners

    Rating: 5.0

    Years in Business: 10+ years in business

    Business Hours: Closed ⋅ Opens 8:30 AM Mon

    Contact: (828) 258-2663

     

  • Superior Insurance Asheville

    Rating: 4.4

    Years in Business: 10+ years in business

    Business Hours: Closed ⋅ Opens 9 AM Mon

    Contact: (828) 333-4866

     

  • Able Insurance

    Rating: 4.9

    Years in Business: 30+ years in business

    Business Hours: Closed ⋅ Opens 9 AM Mon

    Contact: (828) 239-0195

     

  • Morton Insurance & Financial Services

  • The Juengel Agency

    Rating: 5.0

    Years in Business: 7+ years in business

    Business Hours: Closed ⋅ Opens 9 AM Mon

    Contact: (828) 274-6036

     

  • McKinney Insurance Services

    Rating: 4.9

    Years in Business: 40+ years in business

    Business Hours: Closed ⋅ Opens 8:30 AM Mon

    Contact: (828) 684-5020

     

  • Bankers Insurance LLC

    Rating: 4.8

    Years in Business: 10+ years in business

    Business Hours: Closed ⋅ Opens 8 AM Mon

    Contact: (828) 253-2371

     

  • House of Insurance

    Rating: 4.6

    Years in Business: 25+ years in business

    Business Hours: Closed ⋅ Opens 9 AM Mon

    Contact: (828) 281-9030

     

  • Asheville Insurance Center

    Rating: 4.4

    Years in Business: 10+ years in business

    Business Hours: Closed ⋅ Opens 9 AM Mon

    Contact: (828) 505-7222

     

Factors Affecting Insurance Premiums

Insurance premiums are the regular payments policyholders make to maintain their coverage. However, the amount policyholders pay isn’t arbitrary; it’s influenced by various factors. This article delves into the key elements that impact insurance premiums.

  1. Coverage Limits: The level of coverage desired directly affects insurance premiums. Higher coverage limits mean greater protection but typically result in higher premiums.
  2. Deductible Amount: The deductible is the out-of-pocket amount the policyholder must pay before insurance coverage kicks in. A higher deductible often leads to lower premiums, while a lower deductible results in higher premiums.
  3. Policyholder’s Age and Health: In life and health insurance, age and health are significant factors. Younger and healthier individuals generally pay lower premiums because they present lower risks to insurers.
  4. Driving Record: For auto insurance, a clean driving record with no accidents or traffic violations often leads to lower premiums, as it indicates responsible driving behavior.
  5. Location: Insurance premiums may vary based on the location of the insured property. Areas with higher crime rates or prone to natural disasters typically have higher premiums.

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