What you buy
   - How many coverages you buy
   - The deductibles
   Find out more about types of auto insurance coverages.

What kind of car you drive
   Generally, the more expensive the car, the higher the auto insurance price

Your age, sex, and martial status(SOFA or Non-SOFA)
   Accident rates are higher for all drivers under age 25, especially young males
   and single males. Car insurance prices in most states reflect these
   differences.

Your driving record
   Drivers who cause accidents generally must pay higher car insurance
   premiums than those who are accident-free for several years.

1. How high should the auto liability coverage limits be on my car insurance?
No one can predict exactly how much you would have to pay if you were to cause an accident.
Ask yourself how you would pay for any damages exceeding your coverage limits. The higher your
liability coverage limits are, the more likely your auto insurance policy will be able to pay all of the
damages.

2. How high or low should my collision auto insurance and comprehensive deductibles be?
Higher deductibles lower your premium but increase the amount you must pay out of your own
pocket if a loss occurs. Ask yourself how much you would be willing and able to pay on short notice
in order to save on your premium.

3. Should my auto insurance include collision and comprehensive coverage?
You may be required to carry collision or comprehensive coverage if your vehicle is leased or
financed. Once you have paid off your car, and its value decreases, you might consider dropping
these coverages to save money on your auto insurance. Consider, though, whether the savings
would be enough to offset the risk of having to pay the entire cost of repairing or replacing
the vehicle.

Assess your deductible
Deductibles represent the amount of money paid out-of-pocket
before insurance pays a claim. You can lower your insurance costs by
selecting higher deductibles on collision and comprehensive coverage.

Provide the safe-driving record form your previous insurance company
Providing the document, you can reduce the insurance amount up to 10~20%.

Get a full coverage discount
Applying for a full coverage, you can reduce the insurance amount by 10%. The full coverage
includes BI, PD, Collision & Comprehesive, OBI, and Uninsured.