In addition to required coverages, you can also buy optional coverages for extra premium. This option is only offered if you choose not to purchase collision coverage. Towing Coverage - pays a portion of the costs to tow your disabled vehicle to a repair shop. Auto Insurance Pricing Rating factors govern what you pay for auto insurance. Rating factors are characteristics about you that place you in a group of drivers with similar risk-related characteristics.
Companies set a rate for each group based on the claims paid for the people in that group.
The higher the losses for a specific group, the higher the rates for that group. Drivers with previous claims or violations may pay higher premiums than those with good driving records. Age, Sex and Marital Status - statistics show that males still have more accidents than females, teenagers are more likely to have accidents than adults and single people have more accidents than married people. The higher the risk, the higher the premiums. Location - since heavily populated cities have more traffic, thefts and vandalism, drivers in these areas may pay higher premiums than groups in rural areas.