Due to the COVID-19 pandemic we are all experiencing, our office is closed to the public until further notice. However, you may reach us by phone at 410-252-8304. Please leave a message and we will return your call as soon as possible. If you prefer you may e-mail Danielle (danielle@wsparks.com), Cecilia (cecilia@wsparks.com), or Bill (insureus@wsparks.com) and we will respond as soon as we can. We look forward to assisting you as we all work together to get through this crisis. Please be safe and stay healthy.

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How is Your Auto Insurance Calculated?

cost of auto insurance - determining my car insurance premiumAsk 10 people how their Auto Insurance premium is determined, and you’ll get 10 different answers. 

The reason that you'll get different answers is largely because of the many elements that influence the amount of your auto insurance premium.  In addition to the amount of coverage and type of coverage, insurers must consider many other factors – some of which you can control but others you cannot.  The relative importance and weight of these factors varies from insurer to insurer. Thus, your Auto Insurance premium will vary as well. 

Just what is involved? Check out this infographic from the Insurance Information Institute to see the WHAT and the WHY of factors that impact your auto insurance premium. http://bit.ly/2XUsrCB

Before you purchase an auto insurance policy, we suggest that you consult with a trusted insurance agent who will ask the right questions and get to know you.  Only then can your agent help you find the insurance policy that is right for you and explain the process involved in arriving at the amount you’ll pay. 

Do you already have Auto Insurance? Then, maybe it’s time to sit down with your agent to review your current coverage and determine whether you still have the best policy for your needs at the best rate available. 

Feel free to contact any of our very capable and experienced agents at the William M. Sparks Insurance Agency here in Lutherville/Timonium, MD to discuss your insurance questions.  We can help you review your current insurance policy and explore your options to be sure you have the best coverage and protection according to your circumstances. 


Thursday, 21 March 2019 16:18

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