How Do I Know If I Am Being Charged The Auto Insurance Right Premium?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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The beginning of your personal auto Insurance policy describes the coverages (i.e.,liability, collision, towing/road service, loss of use/care rental coverage) included in yourpolicy and the charge for each one. When you receive your policy, pay close attention tothe coverages and cost.

Following is a list of the usual direct factors that companies use to determine your autopremium:

Personal/Vehicle information:

• Drivers age, sex, marital status, if the drivers record has any incidents, such asspeeding, DUI’s, accident, etc.,

• Use of Car – if the vehicle is being used for commute, business or pleasure andhow many miles it will be driven in a year

• Where you live (the garage address for the vehicle)

• Type and age of car


Liability limits can vary and the higher the limits, the higher the premium. If physicaldamage (i.e., collision and/or comprehensive) is chosen, the deductible amount can alsovary, which affects premium.

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