Insurance companies have a basic rate they charge for automobile insurance.  The State of Texas requires basic liability coverage, and you may want comprehensive and collision if you have a newer car or are still paying off your vehicle.  While they are some basic rates, there are several things in your life that can affect how much you will pay. VersatileInsurance Planners in San Antonio, TX can help you put yourself in the best light and get you the coverage you need.

Where you live, or where you drive the most, is one of the major factors in determining insurance rates. Your credit score is also very important and is often the biggest factor in determining how much of a discount you qualify for.  The age of the primary driver is also a major consideration. Teenagers cost more because they have more accidents.

A driving record can also have an influence on how much your insurance will cost. Speeding tickets or moving violations will make you seem like a greater risk so your premiums will cost more. Some offer discounts if you have not had an accident in several years.

The type of car you drive will also affect your rates, as well as the value. Some cars are stolen more often than others. Whether the car is used for business is another factor. Some other factors include your occupation, whether you are a parent, and whether you are a homeowner. Whether you have a garage or park on the street, is yet another consideration.

Visit or call Versatile Insurance Planners of San Antonio, TX today to find out how you can get the best car insurance for your situation. You may also use our online tool to help you get an idea of what the insurance will cost.