Many people don’t understand their home insurance rate and struggle to grasp various information that they just have no way of knowing without help. As a result, we at Golden Way Insurance Services do what we can to help our Garden Grove, CA, residents feel comfortable in their homes.

What Reports Affect Your Insurance Rate

Your agent uses a variety of credit reports to create your insurance rate for your vehicle. They also look at motor vehicle records and even past credit claims to get an idea of what kind of policy that they can set for your needs as a car owner.

Which Tickets Affect Your Insurance Rates

Have you ever been confused about what tickets cause you to get an insurance hike? Typically, this happens if the points added to your license reach a threshold set by the insurance company. At this point, they will increase your policy costs and keep it that way for some time.

How Long Tickets Stay on Your Record

Are you unsure of how long you’ll have to deal with tickets on your record? You aren’t alone. This problem is something that will stay on your record between 3-7 years. And these tickets can impact the quality of your insurance and cause other complications at the same time.

When Your Car is a Total Loss

While some crashes may seem minor, you might end up getting your vehicle totaled and struggling to understand why. This situation usually occurs if the value of the repairs exceeds what the insurance company is willing to pay.

Learn More About Your Policy

If you’re concerned about your car insurance policy and feel uncomfortable, please make sure to call us at Golden Way Insurance Services right away to learn more. Our team serves the Garden Grove, CA, area and can provide you with the help you need.