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When it comes to car insurance, there are a number of factors that determine how much policyholders will pay. The key is to secure affordable coverage designed to be there in case an accident occurs. K.L. Smith Agency LLC in Willimantic, CT, has more than 60 years of experience with helping clients get the plans they need to protect them, their loved ones, and vehicles.

The family-owned agency makes it possible through its alliances with some of the nation's leading car insurance carriers. It all starts with arming customers with the knowledge of how coverage pricing is determined.

Factors That Determine Car Insurance Rates

Vehicle Type

The make and model of a car or truck are among the top factors insurance carriers look at to determine the price. Some flashier, sports cars with a higher propensity for speed may need higher coverage. Safety records and vehicles equipped with anti-theft devices are also factored in for rate quotes.

Gender

Many car insurance providers track research on accidents. What they've consistently found is women are usually less likely to get involved in fender benders, compared to men. As a result, women typically have lower premium payments.

Geographic Location

car insuranceHigh-traffic communities and cities tend to have more vehicle accidents. Pricing for car insurance is likely to be more expensive in these areas, compared to smaller neighborhoods. Insurance providers generally adjust coverage amounts based on where the vehicle will be garaged and driven.

Driving Record

If you have a pristine driving record, you're likely to pay less for car insurance. This includes a record free from accidents, traffic infractions, and other penalties. Some carriers even reward drivers with discounts and loyalty rewards if they maintain good driving habits.

Age

Many insurance companies have discovered that teenage drivers, as well as those under the age of 25, are prone to have more accidents, These population groups will generally pay more for car insurance. On the other end of the age spectrum, older drivers are generally more cautious on the road and thus, pay less for coverage.

While there are a number of factors determining the cost of car insurance, finding an affordable policy is absolutely possible. The team of experienced insurance agents at K.L. Smith Agency, LLC is 100% committed to getting you reliable, affordable coverage. For free, no-obligation price quotes, call (860) 423-9294 today. Visit the website for extensive information on other coverage options, including motorcycle insurance and commercial auto insurance.

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