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Leroy Said:

How do auto insurance providers calculate your payments?

We Answered:

If I'm correct by your explanation, you had one insurance company at zip code 95608. When you moved to 95628 the rate rose, and switched to another insurance company. Now that you moved back to 95608 the rate rose yet again?

If this is correct then all I can tell you is insurance companies are weird. Certain companies will be cheaper in certain zip codes than others. So the company that you ended up switching to may have a higher rate for the new zip code than the previous company that you had before. Insurance companies review each zip code to see how many accidents occured there and how many claims were filed there within their company. Based on that information, they will re-rate or stick with the premium. These revisions have to be approved by the California Department of Insurance .

The same applies in other aspects. For example, Company A is cheaper than Company B for younger drivers, but Company B is cheaper than Company A for older drivers. Companies specialize in certain things that other companies don't.

Hopefully this helps

EDIT: See my second paragraph about this. Anchor General may have cheaper rates in 95628 then in 95608 while Progressive is the opposite. It's the way each insurance company calculates. Every insurance company has different ways to calculate their premiums. Overall, they look at the losses (accidents, thefts, etc) that incurred in each zip code. I don't know how else to explain it.

Lorraine Said:

Auto Insurance!?

We Answered:

Allstate is a reliable insurance from what I heard and they offer accident forgiveness.

Robin Said:

What are the top 10 best nationally renowned auto insurance providers?

We Answered:

According to the July 2010 issue of Best's Review, the top ten property/casualty (includes auto) writers are:

State Farm
Allstate
Berkshire Hathoway (owns Geico)
Amerian International Group (owns/owned 21st Century)
Liberty Mutual
Travelers
Nationwide
Progressive
Farmers
USAA

Timothy Said:

Are there any auto insurance providers that do not use credit problems against you to make rates higher?

We Answered:

Geico is the only one I know of.

Allison Said:

I'm looking for a list of the auto insurance providers in Florida?

We Answered:

Take a look at the Florida Dept of Financial Services (which oversees insurance in Florida) http://servicepoint.fldfs.com/eservice_e…

Hope this helps!