10 Things That Affect Your Auto Insurance

 If you drive, chances are you have to take out an auto insurance policy in order to drive legally. While you may think that your choice of vehicle and where you drive wouldn’t affect your auto insurance premiums, the truth is that there are numerous factors that affect your rates, even if you already have an existing policy with a different company. To get the best deal on auto insurance, consider these 10 things that affect your auto insurance premiums, from the type of vehicle you drive to how many accidents you’ve been in over the years.


#1) Where you live

The place where you live can have a big impact on your auto insurance rates. If you live in an urban area, you'll likely pay more for insurance than if you lived in a rural area. This is because there are more cars on the road in urban areas, and more chances for accidents to occur. The type of car you drive also affects your rates. If you have a luxury car, you'll pay more to insure it than if you had a economy car.


#2) If you own the car

In most states, it's mandatory to have auto insurance if you own a car. The type of car you drive, your driving record, credit score, where you live, and how much you drive all affect your premium. Keep reading to learn more about what determines your auto insurance rates.

If you don't own the car (five sentences): Even if you don't own a car, you're still required to have auto insurance in some states if you drive often.


#3) What make/model is your car

The make and model of your car can affect your insurance rates in a few ways. First, some cars are more expensive to repair or replace than others. Second, some cars are more likely to be stolen than others. Third, how you use your car can affect your rates. For example, if you use your car for business purposes, you may pay more than someone who only uses their car for personal use. Finally, your driving record is a factor.


#4) What is your annual mileage?

One of the things that affect your auto insurance is your annual mileage. If you drive less, you pay less. Insurance companies like when you drive less because it means you're less likely to get into an accident.


#5) How old are you?

If you're a young driver, you can expect to pay more for your car insurance than an older, more experienced driver. This is because insurers see young drivers as being more of a risk on the road. However, there are ways to help offset this cost. One way is to take a driver's education course. Another way is to maintain a good driving record by following the rules of the road and avoiding accidents and traffic violations.


#6) Are you married?

If you're married, you may be able to get a discount on your auto insurance. That's because insurers see married couples as more responsible and less likely to get into accidents. So if you're looking to save some money on your car insurance, tying the knot may be the way to go.


#7) Do you have other cars?

If you have multiple cars, you may be able to get a discount on your insurance. Most insurers offer a multi-car discount, so it's definitely worth looking into. The more vehicles you have, the greater the discount will be.


#8) Have you had tickets, accidents, or violations?

Getting into an accident will raise your rates, as will getting speeding tickets or other violations. If you have a clean driving record, on the other hand, you may be eligible for discounts. Some insurers offer good driver discounts, safe driver discounts, and even accident forgiveness programs.


#9) Do you own a gun?

While your gun ownership status might not seem like it would have anything to do with your car insurance rates, it can actually affect them. If you live in a state where carrying a concealed weapon is legal, your rates could be lower than someone who lives in a state where concealed weapons are not allowed.


#10) Do you smoke?

If you're a smoker, you're probably already aware of the many ways in which smoking can negatively affect your health. But did you know that smoking can also affect your car insurance rates? Here's how:

Smokers are more likely to be involved in car accidents. This is because smoking impairs your ability to focus and react quickly.

Smokers are also more likely to have their cars stolen.


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