Cheap Car Insurance
Do you wonder why some people pay more for car insurance than others? There
are a lot of factors that determine a person's auto insurance rates. Some
factors you can determine while some you cannot. For example, a teenager
with a flashy sports car driving in LA is statistically more likely to get
into an accident than a 30 years old married man with a wagon.
Factors that can't be changed that affect your car insurance rates:
Age
Gender/Sex
Marital Status (This is debatable but people don't marry just to get
cheaper car insurance rates.
Factors that can be changed that affect your auto insurance rates:
Location - People living in rural areas are less likely to get into an
accident or have their vehicle stolen.
Past Driving History - People with speeding tickets and other moving
violations have higher rates. Also if you filed more claim in the past your
premium will be higher.
Credit Rating - Having good credit helps decrease the cost of auto
insurance rates because insurers have less to worry that you may default on
payment.
Job - Insurance companies have conducted studies and found a
correlation behind certain jobs that could increase the risk of an accident.
Milage - The more miles a person drives, the higher the rates will be.
Theft Protection Devices - Having devices such as lo-jack and a car
alarm can greatly reduce your rates.
