All Drivers Insurance Agency is a business located in Manteca, California. This business is part of agency, brokerage, and other insurance related activities. The company currently has three employees and generates $222,267 in annual sales. Sales figures are based on sample data and may not reflect actual business activity. Principals listed above may not be the same as those listed on D&B Hoovers.
Rates depend on driving history
Insurance companies use the credit history of drivers to determine the rates they charge for vehicle insurance. A low credit score indicates financial and other irresponsibility and is therefore a greater risk than a driver with a good credit history. The rate difference can be as high as 33 percent per year. For example, in Utah, the average premium for drivers with bad credit is more than double the price for a clean driver with a high credit score.
After the age of twenty, age is less of a rating factor. After age 25, auto insurance rates are at their lowest. As drivers age, their premiums increase again. Accidents, tickets, and DUIs will also increase rates. Fortunately, there are ways to minimize this increase and get the best possible rate. However, insurance companies view your driving history as a good predictor of future performance. Therefore, a history of tickets and accidents will increase your rates, and you may need to get a better deal if you have an accident.
While age is the most important factor in car insurance rates. Gender is also a factor. While women may pay higher premiums than men. A woman’s rate will often be lower than a man’s. In some states, however, gender is not a rating factor, so rates must be the same for both men and women. In some cases, men with a clean driving record can get special discounts for good drivers. For example, a driver with a major traffic violation may be able to receive an accident waiver.
By evaluating your driving history, we ensure you receive a policy that fits both your needs and budget. Looking for the nearest car insurance agency? Drive smarter and save more with us.
Coverage depends on the type of vehicle
Some insurance carriers will cover all drivers on your policy, but they will not cover a driver whose name is not on your policy. The amount of coverage you need depends on various factors, including the type of vehicle and your relationship with the insured. In some cases, you can avoid collision and comprehensive coverage altogether by insuring an uninsured driver.
You may not need collision coverage, especially if you are driving an older vehicle with a low resale value. Collision coverage may be an additional cost on older vehicles. Discuss your needs with an insurance agent to determine which options are right for you.
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Adding a teen driver to your policy
One way to save on teen driver insurance premiums is to add him or her to your existing all-driver insurance policy. This type of insurance is especially beneficial for parents who have more than one teen driver. Insurance coverage is usually much cheaper than if you only have one driver. You should also add a teen driver to your existing policy if your teen is driving a vehicle that is more than ten years old.
Teenage boys are considered to be at higher risk than teenage girls, so their rates will be higher than older teenagers. However, this does not mean that teenage boys cannot drive. Male drivers often pay lower premiums after they reach age 18.
Some companies allow teenagers to be listed on their policies for free while they are on their learner’s permit. Some states have special laws regarding the age of teen drivers. If you’re not sure if your state allows this, talk to your insurance provider.
In addition to driving history, insurance rates vary by car type and model, as newer vehicles cost more to insure. A teenager with a good driving history is often able to benefit from a parent’s good driving history. Additionally, many insurance companies will give you a discount if you have multiple vehicles at home.
Remember to compare insurance rates before adding a teen driver. Adding a teen driver to your policy can increase the cost by 50% or more annually. Be sure to compare insurance rates before your policy is up for renewal. You can also consider increasing your deductible to lower the premium. You may be surprised at the difference in your auto insurance costs.
All drivers insurance agency, coverage options depend on the type of vehicle you drive. Whether you own a car, motorcycle, or commercial vehicle, we offer policies tailored to meet your specific needs.
At All Drivers Insurance Agency, coverage options depend on the type of vehicle you drive.
