Auto Insurance Rates

Auto insurance rates vary greatly depending on a diverse set of circumstances.

Given that fact, if you know what affects your car insurance rates, you will have a better chance of keeping your costs down and more money in your own pocket.


There are a number of different factors that come into play when you are evaluated for an auto insurance rate.

The main issues that affect your car insurance rates are as follows:

1. The type of coverage - The minimum liability coverage for both bodily injury and property damage are required by law. On top of that you may want additional auto insurance coverage like collision, comprehensive, uninsured/underinsured motorist, or other optional coverage.
   
   
   
2. The amount of coverage - You have to purchase the legal minimum, but you can go a lot higher depending on the amount of coverage you think you need to replace your vehicle, cover yourself for losses, as well as the amount you want to be covered for liability if you are at fault.
   
   Your insurer will only pay up to your limits. Be aware that you can be sued for amounts of damages that exceed your limits.
   
   
   
3. The deductible you choose - When you consider your auto insurance deductibles, understand that the higher the deductible you are willing to pay, the lower your premium will be, and vise versa. The deductible is the amount of the damage you pay first, before your insurance kicks in.
   
   
   
4. The type of car - You can be charged more or less, depending on the make, model and year of the car as well as its value. The insurer may also consider the likelihood of theft, the cost of repairs, and the safety record of the car. In other words, sports cars and high performance cars are really gonna cost ya. =)
   
   
   
5. Your driving record - You can get special discounts for auto insurance for good drivers if you qualify.
   
   If you don't have a clean record, you will be charged more because of past accidents or moving violations. You may have to look at a high risk auto insurance quote. Let's just say, bygones or not necessarily bygones!
   
   
   
6. Age, gender, and marital status - Because of traffic accident trends, insurance agencies are allowed to be biased. If you are under 25, particularly males, you can expect to be charged a higher car insurance rate. Teenagers start out with a high rate, but be sure to check into discounts available. Married folks also tend to have less accidents, so they get a better rate. It may not seem fair, but that's the way it is.
   
   
   
7. Your location - Auto insurance rates are higher for those living in the city or urban areas because there tends to be more traffic accidents as well as theft and vandalism. Your rates can even be affected by the higher cost of medical expenses in certain parts of the country.
   
   
   
8. Your credit history - Insurance companies usually check and consider your credit history when calculating your car insurance rate. If your credit score isn't good, you will probably be charged a higher rate or possibly even be turned down for coverage. Keep those bills paid, and on time. (yes, mom!)
   
   

Don't be discouraged if you feel that you have a lot of these factors that seem to be against you. There are still things you can do to try to save a bit. Take the time to do some comparison shopping when looking for your auto insurance car quote, and also check into discounts that are available.


Here are a few places where you can get multiple quotes all at one time. It will help you find the cheapest rates for you much more quickly.

• USAA Auto Insurance
  
• AARP The Hartford
  
• Esurance (an Allstate Company)
  
• Kanetix - Canada
  

Final Tips: Check again each time your policy comes up for renewal! Every year of good driving will make your premiums drop. Don't miss out on that by failing to search for the best auto insurance rates.


If you haven't decided on your vehicle yet, Learn How to Purchase a New or Used Jeep (or any other vehicle) with simple strategies and buying tips. (4-The-Love-Of-Jeeps.com)

Car accidents can be devastating, and so many people suffer through no fault of their own.  If you or someone you know has tragically suffered from from a DUI, hiring a DUI Attorney may help you tremendously.

Safe driving!

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