Do you know how your auto insurance premium is determined? 

Of course, type of coverage and amount of coverage make a big difference in the amount you pay; but you might not be aware of the many other elements that insurers must consider in order to arrive at your premium.  The relative importance and weight of these elements will vary from insurer to insurer. Some but not all of the information factored in will be out of your control.  

You can probably see the need to consult with a trusted insurance agent before purchasing your Auto Insurance.  Ideally, this will be an agent who knows you and your circumstances.  This will give you the chance to ask questions and fully understand the process involved in determining how much you pay for car insurance.

But first, take a look at this infographic from the Insurance Information Institute to see the WHAT and WHY of factors that impact your auto insurance premium. 

If you already have Auto Insurance coverage, think about sitting down with your agent to review your coverage and determine whether you have the best policy for your needs at the best price available. 

The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it.  This website is not intended to advise, offer or bind coverage.  You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent before making any decisions or choosing a course of action.  Ewing Hines & Associates is a full-service insurance agency offering auto insurance for your vehicle, home insurance for homeowners, renters and condo dwellers, business/commercial insurance and life insurance to all of Maryland (MD), Virginia (VA), Washington DC since 1960. Our experienced insurance agents at our office in Kensington, MD welcome your inquiries and are glad to discuss your coverage needs at any time.