Looking at car insurance rates and how they ... - Car Auto Insurance
It is not always obvious how your insurance premiums are calculated. Safety is one of the most important criteria used during the calculation. Insurance companies determine how safe you and your vehicle are when setting rates. Several factors are taken into consideration which helps insurers establish premiums on a case-by-case basis. Understanding these factors is critical if you want to get the best car insurance rates.
Driver Safety
Safe drivers automatically get lower rates than drivers who have been involved in accidents or received speeding tickets. Aggressive and distracted drivers are more likely to cause accidents. You can improve your safety record by driving within posted speed limits, wearing your seat belt, and using defensive driving tactics when road conditions are hazardous. Many insurance companies give additional discounts to customers who complete remedial driver education classes.
Vehicle Safety
Customers who drive vehicles that are safe, as determined by industry-wide safety ratings, will be given lower premiums by insurers. These ratings are established based on criteria that include crash test results and safety features of each type of vehicle. Cars that have air bags, anti-lock brakes, and automatic seat belts are preferred by insurers. Older vehicles are less likely to include these features so owners of newer cars get the lower rates. Most insurance companies give better rates to owners of mid-sized vehicles because they are safer.
Geographic Factors
Your premiums can be impacted by where you live and work. There is a greater chance of car being damaged or stolen if they are parked in neighbourhoods that are unsafe. Driving on congested roads is another risk factor that insurance companies consider when calculating premiums. This is why city drivers often have higher rates than rural drivers. Weather is closely related to geography from an insurance company?s point of view. If you live in an area that rarely gets snow or severe weather such as tornados, your rates will be lower than customers who do live in these communities. Each of these geographic factors is used to establish safety or risk scores for your car insurance rate calculation.
If you believe you have met these safety requirements but are still paying high premiums, consider using an online quotes service to compare rates from other car insurance providers in your area. You can easily save money on car insurance by getting quotes from multiple insurers at one time. Always confirm you have received the maximum safety-related discounts available before selecting a particular policy.
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