How is my Insurance Rate determined?

Answer:

There are many factors that determine an insurance rate; the following is a list of some of them:

Auto: Your age, your location, the number of drivers in your household and their ages, traffic tickets, at-fault accidents, not-at-fault accidents, the number of claims you have filed (even with previous carriers), any additional endorsements you add, your insurance score, and any discounts for which you may be eligible are a few of the factors considered when calculating your auto premium.

Homeowners: The “dwelling value” of your home (which is called “Coverage A”), your home’s contents, your location, how close you are to a fire department and/or fire hydrant, any additional endorsements you add, your insurance score, the number of claims you have filed (even with previous carriers), and any discounts for which you may be eligible are some of the factors considered when calculating your homeowners premium.

NOTE: Pioneer State Mutual believes the most accurate way to determine your rate is to speak with an Independent Insurance Agent. He/She will be able to calculate your coverage needs, most suitable deductible(s), and find discounts that may apply to your situation.