• Auto At-Fault Accidents, Traffic Violations
• Teenage Drivers and Family driving history
• Car Type and Year
• Married Drivers Fair Better
• Premiums by Location

Auto insurance rates can vary dramatically. Some key factors that influence your auto insurance rates includes:

Your driving record will of course impact your Auto Insurance Policy premium rate. If you've been in an accident in which you were at-fault, you may be paying more for your insurance. Also depending on your state of insurance, traffic violations will affect the auto insurance rates you receive. Many companies offer auto insurance policy discounts for drivers who have not had any accidents or tickets for a specific number of years.

Your family members will ultimately determine your auto insurance policy rate. Other licensed drivers in your household and on your policy also affects your auto insurance rates. A teenage driver or a spouse with a poor driving recordis likely to increase your auto insurance rates.

The car you drive will also impact the auto insurance policy rate you will receive. Certain car or truck models may be considered more risky because they cost a lot to repair, are frequently involved in accidents or are popular with car thieves. Owning one of these cars may double your collision and comprehensive auto insurance policy premiums. High-performance cars and sports cars also usually cost more to insure. Before buying a new or used car, check with your auto insurance company for estimated coverage costs. Depending on the safety features on the car, you could get cheaper auto insurance rates. Air bags, anti-lock brakes, car alarms, and daytime running lights could qualify for auto insurance policy discounts. Also, cars with high theft rates and repair cost will cost more to insure.

Marital status. Statistically, married drivers have fewer accidents than young single drivers, so they generally pay lower premiums.

Where you live will often impact the auto insurance rates you will receive. Rates are regulated on a state-by-state basis and also vary between locations within a state. As an example, when you compare auto insurance rates in a rural location with the auto insurance rates in a city with high theft and accident occurances, the cost will be less for the auto insurance rates in rural location.

Age. Statistically, drivers under age 25 have more accidents than older drivers. Drivers between 50 and 65 years of age have low accident rates and are sometimes offered discounts in their auto insurance policy. Past the age of 65, accidents seem to increase and rates generally begin to rise again. People over 70 may have trouble finding an insurer to accept them as a new customer, and when they do find coverage, it may be expensive.

Gender. A young man under age 25 generally pays more than a woman of the same age. This is because young men are involved in more accidents than young women and have more than three times as many fatal accidents.

http://www.online-autoinsurance.net/...insurance.html.


Regards.