Auto Insurance Rates Guide
There are many different variables to consider when looking at auto insurance rates. Understanding the factors that influence your quotes can help save money on your premiums without having to sacrifice coverage. 
The primary determining factor for your auto insurance rates is what kind of coverage you decide to purchase. The difference between basic coverage and a more comprehensive policy can be great. Liability coverage will offer the lowest auto insurance rates, while added packages will increase both your premium and your protection. However, there are a lot of ways to get discounts without having to sacrifice coverage.
For example, drivers may be able to receive a discount for their age and their driving habits. Those who have taken a defensive driving course are often eligible for lower quotes. Obeying the traffic laws and keeping a clean driving record can also keep premiums affordable. Even teenagers, normally the costliest age group to insure, can be awarded discounts for good grades and other factors.
The vehicle you choose to drive can also impact auto insurance rates. Safety features such as airbags, anti-lock brakes, automatic seat belts, and anti-theft devices will add up to big savings. This can help offset the higher insurance cost so typical for newer vehicles. Older cars that carry a smaller sticker price cost less to insure, as premiums are often based partially on vehicle value. Crash test ratings are another factor taken into consideration.
The way the car is driven and other lifestyle choices also make a difference. Longer commutes can raise premiums, while cars that are driven less often usually cost much less to insure. Those consumers with multiple vehicles can save a bundle by combining them all under the same provider. Those who have just one car, but have other polices such as life or health insurance, can still get a rate break by choosing a single provider for all their coverage needs.
Another way to save is by opting for a higher deductible. This can lower the amount coming out of your pocket every month, and is one of the easiest ways to lower auto insurance rates. However, it is important to make sure you’re financially prepared to pay your deductible should a claim ever have to be filed.
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Every company has a different set of specific criteria they use in determining auto insurance rates. Although it’s next to impossible for any one person to keep track of them all, let alone predict possible quotes, just knowing a few of the factors that companies look for when quoting prices can be beneficial.
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