Abrir

Contact Us

Headquarters (787) 749-4600

Claims Call Center (787) 781-7100


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Our main office location:

Physical address:

1441 F.D. Roosevelt Ave.
San Juan, P.R. 00936

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Postal Address:

P.O. Box 363628
San Juan, P.R. 00936-3628

What determines the cost of auto premiums?

These are some of the main factors that the insurance company takes into account when setting rates or premiums for car insurance:
  • To determine the level of risk, the policyholder’s age, sex, marital status, driving record, and claims history are considered.
  • To determine the probability of an accident, the level of use of the vehicle and area of residence are considered, especially if you live in an urban area where there is more traffic. The distance between the home and the workplace is one of the formulas used to calculate this figure.
  • To determine risk of theft, the type of vehicle is considered, since there is a wide variety of cars on the market with different costs, from trucks and 4×4 SUVs, to luxury and sports cars.
  • To determine the premium to be paid, the deductible and coverage limits are considered, as they may increase or reduce its cost. The higher the deductible, the lower the premium.
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