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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.

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