Contact Us

Use the form on the right to contact us.

You can edit the text in this area, and change where the contact form on the right submits to, by entering edit mode using the modes on the bottom right. 

414 26th St W
Bradenton, FL, 34205
United State


Manatee Insurance Services, Inc. have been working locally with Floridians to save money and time insuring all major properties including Autos, Homes, Motorcycles, and Boats for over 35 plus years! Come save money and time finding the right insurance all under one roof. Lets get saving Florida! Contact us for a second look on what you will save.


Factors That Affect Car Insurance Premium

Matthew Smith

Have you ever noticed that your car insurance premium is higher than your friend’s or neighbor’s? In fact, your car insurance premium may be completely different from your wife, even when you both have policies from the same insurance company.

Why is this so?

The reason for this is that insurance companies take several factors into consideration to assess whether a client is high or low risk, and then charge insurance premiums accordingly.

Auto Insurance

Auto Insurance

Lets’ take a look at some of these factors:

Your Car

The first thing that obviously affects your car insurance is the car you are driving. Insurance companies are constantly mining data about insurance claims to know which cars have the highest rates of claims.

Cars that are flashy and are more susceptible to damage will generally have higher insurance premium. Cars that have higher safety-ratings, such as Toyota 4Runners, have lower insurance prices, whereas, Honda Civics have higher insurance premiums because they are more susceptible to theft.

How Much Do You Drive?

You will generally be paying higher insurance for a car you use for your daily commute to work, compared to the car you keep for your occasional family outings.

The reason behind this is simple probability; the more miles you drive with a particular car, the higher the chances of it getting into an accident.

Therefore, a good way to lower your insurance premium to get into a car pool and lower the number of miles you drive with your car.

Your locality

If the area you live in has high crime rates, then you are likely going to pay higher premiums.

Higher crime rates in your area means that your car is more likely to be stolen, which makes you a risky customer.

Your history

If you have history of getting into car crashes and making insurance claims, you are a risky customer and will have to pay higher premiums.

If you have a good history, remain cautious. If you do get into a crash and make a claim, it will have direct effect on your car insurance premium in the future.

Credit history

Although not directly related to car or driving, credit history is something that affects car insurance premiums.

There are many insurance providers evaluate your credit history before giving out a policy—they want to know your reliability in keeping up with your debt obligations.

Other factors

Some other factors that could also affect your car insurance premium are your marital status, gender and age.

In addition to that, if you have taken professional driving classes, your premium is likely to be lower.

If you are looking for a car insurance broker in Bradenton, FL, get in touch with us. We provide you with comprehensive coverage with the best prices possible.