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Cheap Auto Insurance

Factors that Affect Your Car Insurance Tuesday, 24-Nov-2009 04:16:05 EST

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

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Cheap automobile insurance premiums are based on a large number of factors, some of which can be controled, and then there are incontrovertible facts of life. Statistically, a sixteen-year old with a 300 horsepower sports car in a big city is far more likely to hit something than a 35 year-old married individual 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 cheap as possible.

Factors you CAN’T change that impact you getting cheap auto insurance rates:

* Marital Status

* Your age. Unless you fake it which is kind of hard and possibly not very legal.

* Gender

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.

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

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

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Factors you CAN change that impact you getting cheap auto insurance rates

* Occupation

A little easier said than done. Believe it or not, insurers have found correlation between your occupation and risk. Makes sense that the pizza delivery guy could be a higher risk!

* 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.

* Your vehicle

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

* Driving violations

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

* 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 of fender benders.

* Credit rating

Many insurance companies view having a poor, or even no credit history as suggestive of higher risk.

Other factors that go into cheap auto insurance determining premiums:

* Miles driven per year

* Business use of the vehicle

* Distance to work

* Years of driving experience

* Whether or not you currently have auto insurance

* Theft protection devices (often results in discounts)

* Multiple cars and drivers (another opportunity for discounts)

Overwhelmed?

It can be more than a bit confusing when trying to decide the best and most affordable coverage for your vehicle. Like anything else, get good advice and comparison shop. With the Web at your fingers, you have all the information and power to get the best deal.

Compare multiple instant auto insurance quotes from top companies and save! Get Quotes Now.

Please note that this description/explanation is intended only as a guideline.

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