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| Cheap Car Insurance |  When it comes to auto insurance rates, who you are determines what you pay.
A large number of factors influence automobile insurance premiums. You can control some of them, but others are incontrovertible facts of life. Statistically, a sixteen-year old boy with a 300 horsepower sports car in a big city is far more likely to have an accident than a 35 year-old married guy driving a minivan around the suburbs.
You can’t change your age and some other factors, but you can do some things which can help you to keep your insurance premiums as low as possible.
Factors you can’t change that influence your auto insurance rates:
• Your age
It is impossible to avoid your age. And while you may be a mature-looking teen or a youthful octogenarian, the oldest and the youngest drivers are far more likely to have accidents.
• Gender
Statistically women are safer drivers, whether it’s the mothering instinct or fewer NASCAR fantasies.
• 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
The place where you live influence your rate. For example, those living in a city are far more likely to have a collision or a stolen car than those living in rural America. But, sometimes even just moving across the street can change your rate.
• Driving violations
Such things as speeding tickets, running red lights, failure to yield, etc. have an impact on your auto insurance rate.
• Your vehicle
Be prepared to pay for your car, if you have cherry red Corvette or the Ferrari Testarossa. Your insurance premiums will be higher.
• Accident claims
You can’t change the past, but if you keep your slate clean and free of accidents it will help you to lower your rate than lots of fender benders.
• Credit rating
Many insurance companies believe that having a poor, or even no credit history suggests higher risk.
• Occupation
You can believe it or not, but insurers think that risk depend on your occupation.
Other factors that may influence premiums:
• Miles driven per year
• Distance to work
• Years of driving experience
• Business use of the vehicle
• Whether or not you currently have auto insurance
• Theft protection devices
• Multiple cars and drivers
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