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Compare Auto Insurance Quotes with Ease – Save Big with Span Insurances

At Span Insurances, we believe that getting the best deal on your car insurance should be quick, easy, and stress-free. One of the smartest ways to save money is by comparing auto insurance quotes—and we make it effortless for you.

Insurance rates can vary by hundreds of dollars from one provider to another, so a few minutes of comparison could lead to serious savings. With our smart quote-matching system, we’ll connect you with insurers that are tailored to your needs—all at no cost to you.

How Auto Insurance Quotes Are Calculated at Span Insurances

Ever wondered why car insurance quotes can differ so much between providers? At Span Insurances, we help demystify the process. While each insurer uses its own pricing formula, most rely on a core set of factors to determine your premium.

Here’s what typically goes into calculating your auto insurance quote:

Who’s Behind the Wheel

Insurance companies look at the age, driving history, and experience of every licensed driver in your household. Younger or less experienced drivers, as well as those with recent violations like speeding tickets, may face higher rates.

Your Claims & Accident History

Have you been in an accident or filed an insurance claim recently? A history of claims can signal higher risk to insurers, which often results in increased premiums.

Vehicle Usage & Parking

Where and how you use your vehicle matters. Is it for personal use or business? Do you park it in a garage, on the street, or in a secured lot overnight? These details help insurers assess your level of risk.

Your Credit Score

In many states, your credit history can influence your car insurance rate. Statistically, drivers with poor credit are more likely to file claims, which is why lower credit scores can lead to higher premiums. (Note: This practice is prohibited in California, Hawaii, and Massachusetts.)

The Car You Drive

Not all vehicles are created equal in the eyes of insurance. If your model has a history of frequent claims or is costly to repair, you may see that reflected in your quote. High-performance or luxury vehicles typically carry higher premiums, too.

Transparency You Can Trust

At Span Insurances, we believe in transparency and helping you understand what affects your rates—so you can make informed decisions and unlock real savings.

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