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Christopher Reams Sr
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Auto Insurance Recommendations

Published on 11/7/2018
For additional information  Click Here

Auto Insurance Recommendations

Advanced Insurance Resources
8275 South Eastern Ave Suite 200
Las Vegas Nevada 89123 

Auto Insurance Recommendations Las Vegas Nevada Chicago Illinois

We Have offices in Las Vegas Nevada and Chicago Illinois


Insurance is a product with so many components. Auto insurance is a line of insurance that is constantly changing. As consumers we should consider shopping for auto insurance like we shop for groceries. Grocery stores are known for price increases and decreases. One will visit several stores to find bargains. Every six months to a year, one should consider shopping for better car insurance rates to save money. In this article I'll provide a few reasons why shopping for auto insurance is important. 


Accidents & Speeding Tickets


When driving the highways and streets of America, we take certain risks that may impact our Auto insurance rates. Driving with care and caution is our duty.  Yet, everyone fail to adopt that mindset. Accidents may occur rather at fault or not. Accidents will have a negative impact on any driving record. Speeding tickets can impact one’s driving record as well. One speeding ticket can increase your insurance premium drastically.


Apparently, we all know teenagers are the most expensive to insure with car insurance. Insurance companies view teens as high risk. Think about it, we all were teens at one point, right? Then you will agree that teens typically don’t think safety first. As a teen boy, I was simply excited to drive. I can remember causing some body damage to my car at age 18. Filing a claim, my parents were extremely upset I wasn’t more observant of my surroundings. Hence, why insurance carriers issue higher premiums to people under age 25 years old. Should one maintain a clean driving record, one’s insurance premium will decrease over time.


Geographical area

Remember the phrase, “One bad apple can spoil the whole batch of good apples?”  A term called the Average of Large numbers is used when determining any insurance premium. Especially auto, home, and life insurance. For example, an insurance company paid several claims that were filed from a particular zip code. Personally, one’s driving record is clean. Yet your neighbors experienced accidents, speeding tickets, vehicle thefts, vehicle vandalism etc. Thus, an insurance company determining a certain geographical area as high risk. Resulting in higher premiums for everyone. Sucks I know.



Insurance companies use many credit factors when creating our insurance score. Let’s say one hasn’t drove a vehicle in three years. Financial difficulty occurred. One lost a home, job, cars, credit cards etc. A total financial collapse. Financial challenges beyond one’s control. Suddenly a customer can purchase a vehicle, obtain a job, even a new home. Sadly, one’s credit is impacted, leading to a lower insurance score, resulting in higher premiums.


Purchasing car insurance really isn't a complicated task however we as consumers must keep track of our car insurance rates on a six month or annual basis. Observing your car insurance policy is the number one thing you can do to save money while maintaining quality car insurance.  We hope that this article provided valuable insight regarding your auto insurance policy. Should you require any assistance please reach out to us for help.

Auto Insurance Recommendations Las Vegas Nevada Chicago Illinois


We help clients in Las Vegas Nevada and Chicago Illinois.

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