Cheap Car Insurance: Factors that Affect Your Car Insurance Rates Part 1

20 Tips To Cheaper Car Insurance.
Car insurance premiums rise year after year. Your auto insurance quote can vary by many many dollars. Although your car insurance premium largely depends on .....

When it comes to auto insurance rates, who you are determines what you pay.

Automobile insurance premiums are based on a large number of factors, some of which you can control, and some of which, alas, are incontrovertible facts of life. Statistically, a sixteen-year old boy with a 300 horsepower sports car in a big city is far more likely to hit something than a 35 year-old married guy driving a minivan around the suburbs.

While you can?t change your age and some other factors, there are things that you can do to keep insurance premiums as low as possible.

Factors you CAN?T change that impact your auto insurance rates:

Tips To Avoid Car Insurance Premium Increases & Becoming Assigned Risk
Below are some tips to reduce your auto insurance bill, prevent substantial premium increases and avoid becoming assigned risk.

Claim Reports: You know about .....

Your age

Dick Clark and Sophia Loren notwithstanding, aging is unavoidable. And while you may be a mature-looking teen or a youthful octogenarian, the oldest and the youngest drivers are far more likely to have accidents.

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Driving without any car insurance is a very big risk. Most drivers might .....

Gender

Whether it?s the mothering instinct or fewer NASCAR fantasies, women statistically make safer drivers.

The Car Insurance Rate Calculation Explained
Different companies will apply different factors to the way they finally arrive at a price for your .....

Marital Status

Ok, you can change this, but there have been no reports of people marrying simply to lower their insurance rates.

Factors you CAN change that impact your auto insurance rates:

Geography

Where you live matters.For instance, those living in rural America are far less likely to have a collision or a stolen car than those living in a city. But, sometimes even just moving across the street can change your rate.

Driving violations

Speeding tickets, running red lights, failure to yield, etc. all count toward your auto insurance rate.

Your vehicle

New Car Registrations And Car Insurance
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If you must have that cherry red Corvette or the Ferrari Testarossa, be prepared to pay for it. Your insurance premiums will be higher.

Accident claims

While you can?t change the past, keeping your slate clean and free of accidents will hold you in better stead than lots ..... to be continued