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When it come ups to auto insurance rates, who you are determines what you pay. Automobile insurance insurance premiums are based on a large number of factors, some of which you can control, and some of which, alas, are incontrovertible facts of life. Statistically, a sixteen-year old male child with a 300 horsepower athletics car in a large city is far more than likely to hit something than a 35 year-old married cat drive a minivan around the suburbs.

While you can’t change your age and some other factors, there are things that you can make to maintain insurance insurance premiums as low as possible.

Factors you CAN’T change that impact your auto insurance rates:

Your age

Dick William Clark and Sophia Sophia Loren notwithstanding, aging is unavoidable. And while you may be a mature-looking teen or a vernal octogenarian, the oldest and the youngest drivers are far more than likely to have got got got accidents.

Gender

Whether it’s the mothering inherent aptitude or fewer NASCAR fantasies, women statistically do safer drivers.

Marital Status

Ok, you can change this, but there have been no reports of people marrying simply to lower their insurance rates.

Factors you can change that impact your auto insurance rates:

Geography

Where you dwell matters.For instance, those life in rural America are far less likely to have a hit or a purloined car than those life in a city. But, sometimes even just moving across the street can change your rate.

Driving misdemeanors

Speeding tickets, running reddish lights, failure to yield, etc. all count toward your auto insurance rate.

Your vehicle

If you must have got that redness red Corvette or the Ferrari Testarossa, be prepared to pay for it. Your insurance insurance premiums will be higher.

Accident claims

While you can’t change the past, keeping your slate clean and free of accidents will throw you in better position than tons of wing benders.

Credit rating

That’s right — many insurance companies position having a poor, or even no credit history as suggestive of higher risk.

Occupation

A small easier said than done. Believe it or not, insurance companies have got establish correlativity between your business and risk. Makes sense that the pizza pie bringing cat could be a higher risk!

Other factors that spell into determining premiums:

Miles driven per year

Distance to work

Occupation

Years of drive experience

Business usage of the vehicle

Whether or not you currently have got auto insurance

Theft protection devices (often consequences in discounts)

Multiple cars and drivers (another chance for discounts)

Overwhelmed?

It can be more than than a spot confusing when trying to make up one's mind the best and most low-cost coverage for your vehicle. Like anything else, get good advice and comparison shop. With the Web at your fingers, you have got all the information and powerfulness to get the best deal.

Please short letter that this description/explanation is intended only as a guideline.

For more than information about auto insurance delight travel to: Insurance.com