How much is auto insurance in Paris?
For a male driver living in Paris, if he has 5 years of driving experience with a clean driving record, and drives a Honda Accord for about 13,000 miles per year, The average auto insurance from different companies is about $1,594.
What does auto insurance cover?
While each state has its different regulations for auto insurance, there are six basic types of coverage.
Below is what you need to know. Click here to
read more about the auto insurance liability.
- Bodily Injury Liability
If you hit someone, you’d be responsible for the injured person’s medical bills, lost wages, plus pain and
suffering. In addition, if sued, you would likely have to pay a hefty legal bill. With so many highly-paid
professionals driving in the Bay Area, $50K may not be enough. (The per occurrence coverage is less relevant
because most cars on the road have only one person in it.) So we recommend carrying at least
- Property Damage Liability
With so many Tesla’s and other luxury cars on the road in the Bay Area, damaging one of them could easily
generate a loss of over $50K, costing potentially tens of thousands out of your pocket. So we recommend
a $100K coverage. The good news is that doubling this coverage from $50K to $100K cost you almost nothing.
- Uninsured/Underinsured Motorist
1 out of 7 drivers on the road are uninsured. They typically don’t have much asset. Collecting from them
take years. With this coverage, your own insurance pays you immediately if you are hit by an
uninsured/underinsured driver. This is a vital yet inexpensive protection for yourself and your family.
What are the common auto insurance discounts?
Most carriers provide various discounts for renters insurance as well just like for auto insurance.
Here are some most common discounts.
When you insure more than one car in your policies, usually you can get a multi-car discount for
each of them. In another word, it's better to insure all the vehicles in the same policy instead of
putting them in separate policies.
If you purchase multiple policies from the same company, you can often get a multiple policy
discount. For example, if you already have auto insurance from a company and then you purchase the
renters policy from them, you can get a discount on your auto insurance about 5-15% depending on the
company or state. However, it doesn't mean you should always purchase all policies from the same
company because sometimes the saving you can get to buy a standalone renters insurance policy is
even higher than the discount for the multi-policy.
Education and Profession
There're two types of education discounts. One is for the degree you earned. The other is for the
college you graduated from which is not available in all the insurance companies. For some advanced
professions, you can get a decent discount of 10-15% which may require verification from your
Most companies can give you a discount on the comprehensive proportion of the premium if you have
security-related features such as install an alarm, anti-theft, steering wheel locking or anti-lock
If you don't have any record of violation or accident during the last three or five years, you're
considered as a good driver for most companies. This is also one of the best discounts in most
For a student who maintains an average grade of B or above can receive a significant discount on
their insurance premium. Although, the premium maybe still high because students usually don't have
lengthy driving experience.
Every insurance company manages its risk differently. But in general, there're standard risks for
auto insurance including No tickets or no accidents within a specific period, no drivers under 25
years old or over the age of 65, no high-performance vehicles.
A few carriers even provide paperless discounts. But more and more new insurance carriers do
not offer it probably because the overall cost has already been saved.
Click here to
free and personalized insurance quote to compare all the discounts.
What factors will impact your auto insurance premium?
- Driving records
- Annual mileage
- Education background
- Bundling of multi cars
- Bundling of auto and home policies
- Features of the car (e.g. anti-theft devices)
Auto insurance for All cities in Kentucky
We also generated a report for all cities in Kentucky.
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