Most insurance policies in every instance has a discount applied to your insurance policy. This is very important when you are establishing your insurance rate.
Some of the greatest rating factors are the following: Zip Code, Claims in your Area, Cost per claim, at-fault claims (AKA Driving Record), Age, Marital Status, Gender, More. These among many others, even your employment makes all a big difference in how you are receiving your discounts on your insurance. We work with you to help you understand what factors are being applied to your account to make sure this is done correctly.
All these things and more are all applied when we calculate your discount to better your insurance rates. When we help you answer these questions we want to be very clear and honest about how you are getting your discount and how that is being applied. We also apply an application to your discount. These can be anywhere from 3% - 40% depending on how the company applies this discount. Some companies can take away from your premium like Safeco and Nationwide if you don't drive exactly correctly. Others like Travelers and Allstate maintain your discount regardless of your performance on the app. We are very clear with our customers so they know that these apps are applied. We want our customers to have the most opportunity available when using these apps.