Understanding Why Auto Insurance Premiums Are Very Costly

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Understanding Why Auto Insurance Premiums Are Very Costly

These days, we all complain about the high cost of living. It seems that anyone who owns and operates an automobile is hit with a good dose of bills that they need to contend with: the cost of buying the car, fuel costs, maintenance and repair costs – and the super BIG ONE – i auto insurance premiums.

If you haven’t verbalized it yet, no doubt the glaring question is stressed in your mind: Why does car insurance (read car, truck, motorcycle, RV and so on) have to be so very, very expensive?!

The answer to everything related to insurance comes from the industry itself and this is no exception.

“Insurance rates differ from person to person and are based on a few factors,” says a noted specialist who works in the Tri-State area and is employed by an independent agency. “It all boils down to how risky you as a driver can be.”

Eight Factors That Can Affect Your Auto Insurance Bill

Some of the things that determine how much you pay for car insurance are listed below.

• What type of Vehicle you Drive

There is a clear difference between the brands and models of cars when it comes to safety. In addition, higher-end cars attached to a larger price are more attractive to car thieves and are more expensive to replace; They are also more expensive to repair after an accident.

• Your address

If you live in a place that has a higher crime rate, your premium will reflect the risk of theft. If your locality has proportionally more car accidents and you file claims, it will also have an effect on your premium.

• How You Use Your Car

If you use your car for transportation to and from work or use it for business purposes, you will find that you have a higher premium than those who only drive for groceries or for pleasure trips.

• If you are a good Driver

If you have never gotten a driving ticket or been in an accident, you will have a lower insurance rate than those with a less pristine driving record.

• Your Claims Record

If you have submitted insurance claims, especially if they have resulted in large payments, your insurance premium will reflect that. But you may also find an increase in the rate if you have only filed claims regarding accidents where you are not at fault.

• How old are you?

Young drivers, especially teenage boys, are grouped as riskier drivers because statistics say that they show bad driving habits and are involved in and cause many more serious accidents than older drivers. To a lesser degree, those sixty-five years and older can find their insurance rates due to age issues contributing to poorer reflexes, vision problems and more.

• Marriage Status

Studies show that husbands and wives are not involved in as many encounters as those who are not married.

• How your credit score

Although it may not seem fair to some, insurance companies may classify you as a driving risk because of your poor credit score.

Talking to an experienced specialist employed by an independent insurance agency will help you navigate the web of insurance policies so that you are presented with the most suitable at the most competitive price.

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