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AUTO INSURANCE

How does where I live affect my premium?
Where your car is housed directly affects the probability of things like vandalism, theft, or
having an accident. The likelihood of having one of these problems increases in large cities,
while such incidents remain relatively low in rural areas.

The time and efficiency of police response, law enforcement, local road and traffic conditions,
and the quality of local medical services can affect regional insurance rates. Some insurers
even factor in the statistics of how many lawsuits are filed, go to trial, out of court settlements,
and their amounts in a given area.

Do all states require that a person have Liability insurance?
No. Not every state requires Auto insurance, however some have “financial responsibility” laws insisting that all drivers are able to pay for any damage or injury they might cause. Liability insurance is still the best way for you to meet your state's financial responsibility requirements.

By law, all states offer UM and UIM policies, including no-fault states. In fact, some states require
all motorists to carry this coverage in order to gain protection from inadequate insurance
coverage of other drivers.