Automobiles are complicated enough that's why we make insuring them easy. Looking for a policy can be hard and time consuming work especially with the hustle and bustle of your everyday life. Insurance agencies take extreme measures to reduce liability, because more liability means more money. The higher the risk of the vehicle you are in, may mean you need more coverage than you think. When your taking your Can-Am or Razor out we all know it can get a little crazy and were most likely not practicing safe driving, but that also is kind of the point. Insurance rates are estimates of amounts made to reduce losses. When in a Cam-Am the losses that are involved with the accidents that occur with these can be detrimental. So we include medical coverage per person as well. Can-Am's and Razors usually are open vehicles meaning no windows and sometimes no doors. Yes, there are seatbelts but that does not mean they are full proof and will prevent injuries in case of an accident, like it flipping. The rates are built to accurately estimate each and every risk you may have. They are based off personal demographics as well such as your zip code, cost of machine, driving history and more. You can always go searching on your own but we always advise talking to an agent to get better informed, and we are always ready to help, even if your just curious, we are always willing to answer your questions.
Factors that Affect your Rate
Zip Code: If your in an area that is more susceptible to theft and burglary you most likely going to have higher rates as opposed to nicer communities. Your zip code can also affect your rate depending on that county's or states insurance requirements.
Driving History: If you have a lot of speeding tickets piled up and a lot of accidents on your record you might be faced with higher rates, so always practice safe driving. There are driver safety courses out there available to help you, and with proof of completion sometimes this can be used as an added discount.
Coverage Types: If your looking into full coverage, the type of deductible you choose can either lower or raise your rate. Also, if your wanting more coverage for things such as custom accessories. If you want to have medical coverage, which is what insures you or other persons involved in an auto accident.
Credit: Not only does your driver history affect it but your payment history. Are you someone who has a history of late payments, or has a lot of collections? Your credit can be shown as a risk to some insurance companies.
You can always go the easy route and get liability insurance save money, which in some cases that may be all you need. We want to give you a rate that includes, coverage for your assets which is your Can-Am or Razor, which are hefty investments. All while insuring you and those who matter to you most. We are here to help you with finding a perfect match that fulfills your needs.