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What Factors Do Insurance Companies Use To Determine Your Car Insurance Rates?

Posted Scott B. Cooper on Jan 07, 2013 in Car Accidents


How do most insurance companies determine your car insurance premiums?  Many factors can affect your premium. Not all companies use all of these factors, and some might use factors not listed here. here are some of the more common facts.  Can you think of any others?

1. Your driving record.


2. How much you use your car.

The more miles you drive, the more chance for accidents. If you drive your car for work, or drive it a long distance to work, you will pay more. If you drive only occasionally—what some companies call "pleasure use", you will pay less.

3. Where your car is parked and where you live.


4. Age.


5. Gender.


6. The type of car you drive.


7. Credit.


8. The type and amount of coverage.


9.  Limited tort or full tort.

In Pennsylvania, all applicants for an auto insurance policy must select either limited tort or full tort.  The limited tort option is cheaper, but not by much, and you give up certain rights to sue if you select it.  Full tort is recommended.  If you want a full and more detailed explanation of this important option contact a Pennsylvania car accident lawyer at Schmidt Kramer.


If you, a family member, or a close friend has been seriously injured in a Pennsylvania wrong-way car crash, it’s time to think of fundamental questions of justice. Should you bear the financial burden of paying absurdly large medical bills for someone else’s negligence? Should the injured party accept that his injuries may mean he will never be able to work again, or will he face decades of painful disability? If the accident caused a death, can you just forget about it? Absolutely not.

By filing a personal injury claim against the driver who caused this horrible accident, you can publicly hold him accountable for his actions. You can also recover the fair compensation you deserve for your medical bills, lost income, and suffering. Call the Harrisburg car crash lawyers of Schmidt Kramer at 717-888-8888 or 888-476-0807 as soon as possible after your auto accident in Dauphin County, Lancaster County, Cumberland County, or neighboring areas.

At your request, we will send you a FREE copy of our client book, Who Pays The Bills When You Are Injured In An Automobile Accident? When you are ready to hire legal representation, remember that we offer FREE consultations for potential clients who want to learn what recovery we can secure for them.