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Factors That Affect Your Car Insurance Premium
by: Jon Register
Many factors affect the premium you will pay for auto insurance. Each is a
statistically based risk for a specific population. The higher the risk associated
with a person, the more he or she is likely to pay for coverage. We have elaborated
on some of the risk factors below, but there are numerous others, including
driver's gender, miles driven per year, purpose for using the vehicle (commuting
to work, using for work, leisure only), etc.
Factors you CANNOT easily change that affect your car insurance rates:
. Age
Statistically, drivers under the age of 25 are at greater risk of being in
an accident than those over age 25. Drivers between the ages of 50 and 65 generally
have the safest records.
. Gender
Women are statistically safer drivers.
. Marital Status
A married person will pay less than a single person with an identical driving
record. Factors you CAN change that affect your car insurance rates
. Geography
Where you live makes a difference. Folks living in areas with little or no
traffic are likely to spend less on insurance than those living in congested
cities or suburbs because areas with a lot of traffic tend to see more accidents.
Some neighborhoods also have a higher rate of vehicle thefts, which can result
in a higher premium.
. Driving Violations
Having an accident or moving violations on your record (speeding tickets, DWI,
reckless driving, etc.) put you at a higher risk for accidents and will likely
mean a higher premium. Some insurance companies will penalize you for your record
for as many as five years from when the incident occurred. However, keep in
mind, as your record improves, your premium will get lower.
. Vehicle Type
El cheapo car will cost less to insure than that status symbol SUV sitting
on 24" rims baby.
. Accident Claims
A driving record that is clean and free of accidents will hold fare better
for you than lots of tickets and/or accidents.
. Credit Rating
Many insurance companies view having a poor, or even no credit history as suggestive
of higher risk and thus, charge you a higher premium.
. Occupation
Insurers have statistically found a correlation between your occupation and
risk. For instance, a newspaper delivery person is most likely a higher risk
than the personal banker sitting at their desk all day.
Other factors that help determine premiums:
- Driving distance to work
- Miles driven each year
- Years of driving experience
- Business use of the vehicle
- Whether or not you currently have auto insurance
- Theft protection devices (often results in discounts)
- Multiple cars and drivers (another opportunity for discounts)
What can I do right now to make sure I have the lowest premium?
Shop around and compare quotes from different insurers. They base their premiums
on their claims experiences, which naturally differ. One company may see your
area as a higher risk than others may. Another may charge more because of your
occupation. Shopping at http://www.carinsurance.com
makes it easier because you can quickly see multiple companies and their rates
for your particular situation.
Where do I go for quotes?
One stop can take care of it all. Go to http://www.carinsurance.com
where you can receive multiple quotes, pick the best price, and then purchase.
Get covered immediately on-line or over the phone. It REALLY is the easiest
way to purchase car insurance.
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