While you are shopping for auto insurance there are a few important things that can affect the rate you will pay for coverage. The factors that can affect your monthly or your yearly insurance premium are sometimes in your own control. Some things that can influence your rates are your type of car, your record on the road, where you live and what you do for work. Here are some ways these things can affect your rates.
The type of car you drive
The easiest way that you can increase your chance of having a lower insurance rate is to drive a safer car. The make and model of your car influence your insurance rate because certain cars are safer and thus less likely to cost the insurance company money. One example of this would be that sedan type cars generally have more safety features than trucks. Newer model cars also tend to have more safety features and will thus be cheaper to insure.
How's your driving record?
One of the few things that you have control over is your driving record. Your driving record plays a major roll when it comes to determining the auto insurance rate and a good driving record can lead to a low car insurance premium. Having speeding tickets or a history of getting into car accidents means that you will be a higher risk of getting into a car accident again in the future, and you will end up paying more for your car insurance.
Chose where you live wisely
Insurance companies use both your home and work address to determine how much you will pay for your car insurance premiums. Your zip code and that of the immediate area around it is used to calculate the average amount of accidents and the typical rate of crime and break-ins or theft in a year where you live. When your area is high on this list - meaning lots of crime and accidents, your insurance company will charge you more. On the other hand, when you live in an area where there are a few accidents and there is a low crime rate, it is possible you will be eligible to receive a discount off of your premium rate.
Consider where you work
Your insurance company may also take into account your occupation when they are setting your car insurance rates. If you have a job where you drive often because of travel or other circumstances or if you are likely to be on the phone often while you are on the road, you can be charged more for insurance. Usually there are insurance discount options for people who are retired, who work from home or who use public transportation to commute - less travel during busy driving hours means less likely to be in a wreck and lower rates.
The type of car you drive
The easiest way that you can increase your chance of having a lower insurance rate is to drive a safer car. The make and model of your car influence your insurance rate because certain cars are safer and thus less likely to cost the insurance company money. One example of this would be that sedan type cars generally have more safety features than trucks. Newer model cars also tend to have more safety features and will thus be cheaper to insure.
How's your driving record?
One of the few things that you have control over is your driving record. Your driving record plays a major roll when it comes to determining the auto insurance rate and a good driving record can lead to a low car insurance premium. Having speeding tickets or a history of getting into car accidents means that you will be a higher risk of getting into a car accident again in the future, and you will end up paying more for your car insurance.
Chose where you live wisely
Insurance companies use both your home and work address to determine how much you will pay for your car insurance premiums. Your zip code and that of the immediate area around it is used to calculate the average amount of accidents and the typical rate of crime and break-ins or theft in a year where you live. When your area is high on this list - meaning lots of crime and accidents, your insurance company will charge you more. On the other hand, when you live in an area where there are a few accidents and there is a low crime rate, it is possible you will be eligible to receive a discount off of your premium rate.
Consider where you work
Your insurance company may also take into account your occupation when they are setting your car insurance rates. If you have a job where you drive often because of travel or other circumstances or if you are likely to be on the phone often while you are on the road, you can be charged more for insurance. Usually there are insurance discount options for people who are retired, who work from home or who use public transportation to commute - less travel during busy driving hours means less likely to be in a wreck and lower rates.
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