What factors affect your auto premium?
Several things affect how much you'll pay for car insurance. Here are some of the factors we use to calculate auto rates.
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Your Policy Limits
In general, the higher you set your coverage limits, the higher your premium will be.
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How You Use Your Vehicle
Your premium could change if you use your vehicle for business such as deliveries or rideshare.
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Your Deductibles
If you set a lower deductible, you may pay a higher premium.
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What You Drive
Having an expensive car may affect your premium, since it may cost more to repair.
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Your Driving History
Having tickets in your recent history may also affect your premium.
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How Much You Drive
If you drive a lot each year, it could affect your premium.
Ways to save on car insurance
Regardless of what you drive, we offer many ways to save. Here are just a few.
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USAA SafePilotSee note®
Earn a discount off your premium with USAA SafePilotSee note®, our app-based safe driving program.See note1 The better you drive, the bigger the discount you may earn.
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Bundle Auto and Property Policies
Save up to 10% when you package your auto policy with homeowners or renters insurance.See note2
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Good Student Discount
Get a discount if your full-time student driver maintains good grades.See note3
Get coverage for whatever moves you.
Still have questions about car insurance?
We can help. To speak with a representative, call 800-531-USAA (8722)(that's 800-531-8722).