Best Car Insurance Rate – Six Questions Determine Your Rates

We all want the best car insurance rate we can possibly get, right? There are several factors that are involved when it comes to an insurance company determining how high, or low, your insurance rates are going to be. Below are the most frequently asked questions you’ll be asked by your insurance company.

1. How old are you? Most insurance companies charge higher insurance rates for teens and young drivers, and your rate may be partially based on your age.
2. What kind of car do you drive? If you’re trying to insure a vehicle that is going to have expensive repair costs, isn’t rated as being very safe, or is quite likely to be stolen, your insurance company may raise your insurance rates.
3. Where do you live? Some areas are more likely to pose the risk of auto theft or vandalism, and your insurance company is going to take your area of residency into consideration when setting your insurance rate.
4. How’s your driving record look? If you have a clean, or relatively clean, driving record your insurance company is most likely to give you a break on your insurance rate. However, if you have a record of multiple collisions or traffic violations, your insurance company is going to take those into account and probably raise your insurance rates.
5. How much do you drive? Insurance companies figure that they more often you drive, the more accidents you are at risk for having, which makes sense. If you don’t drive much and have low mileage each year, especially if you carpool, tell your insurance agent.
6. How much coverage do you need? This factor for how high or low your car insurance rate is going to be is a given. Of course, you’ll be required to get the minimum coverage required by your state, but the additional coverage you may or may not choose will definitely affect your insurance rate.

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