If you're in the market for car insurance, choosing a policy that not only provides customized coverage but also offers an affordable rate is likely a top priority. Luckily, most auto insurance companies provide price quotes so that shoppers can get a better idea of how much their monthly or annual premiums will be. The following guide highlights what is typically included in the amount and what factors affect the rate.

What Is Included in a Car Insurance Quote?

The quote is an estimate of how much you'll pay for insurance. One of the key components is the amount of coverage for certain types of policies. For example, different rates are given for the minimum car insurance your state requires, which is the amount required to legally operate a vehicle. In Kentucky, the requirements are $25,000 for one person's injuries with a minimum of $50,000 for injury coverage and $25,000 for property damage. The insurance quote also provides estimated rates for comprehensive and collision policies as well as other types of coverage.

Your quote will also typically include the deductible, which is the amount you'll need to pay out of pocket before the insurance provider picks up the rest of the repair and liability expenses. Other factors such as whether rental car coverage and roadside assistance are provided are also often included in the estimate.

What Factors Affect the Quote's Amount?

To roughly determine how much your premiums may be, most providers review your driving record for any tickets, reported accidents, and other traffic violations. Clean records can result in lower quotes, while those with infractions could face higher premiums due to their increased risk.

Other factors that influence the estimated rate are the driver's age, how often a vehicle is driven annually, and where a person lives. Younger individuals will typically receive a higher car insurance quote because of their inexperience. Commuting longer distances could also raise the amount because more time spent on the road creates more opportunities for accidents. 

Living in rural or less congested areas may lower your premiums compared to residing in cities or high-traffic communities where accidents are more likely to occur. Insurance providers also consider the type of vehicle being insured. Those with high safety ratings can lead to lower insurance quotes.

To find a car insurance policy that meets your needs, contact Cundiff & Company Insurance in Somerset, KY. Having served the area for more than 40 years, the independent agency partners with a network of leading carriers so that you're able to get the best and most affordable coverage for your driving needs. You can count on the team of friendly, professional agents to listen to your preferences and provide you with several options. To get started with a no-obligation quote, call (606) 679-8379. You can also request one online.