Car Insurance Basics -Top Factors That Influence Insurance Rates

LOS ANGELES, Nov. 7, 2019 /PRNewswire-PRWeb/ -- has released a new blog post that explains the top influential factors for car insurance rates

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When it comes to determining rates and associated costs, insurance companies analyze a vast number of factors. These factors can be classified into 3 main categories: driver-related factors, car-related factors and coverage-related factors. Companies carefully analyze the following factors:

    --  Driver's age. Teen drivers are more likely to get involved in an
        accident. Younger drivers, under 25 years old, pay higher premiums.
        Senior citizens that are in their 70s or 80s, also pay higher insurance
        rates based on their age. In this case, age-related medical problems
        will impair a person's driving capabilities.
    --  Credit score. Most states, except California, Hawaii and Massachusetts,
        allow insurance companies to look at the driver's credit score. They
        will regularly charge more the drivers with poor credit score, while the
        ones that have good and excellent credit score will receive lower
        insurance rates.
    --  Driving history. Drivers that were recently involved in accidents,
        received many tickets, or made previous insurance claims, should expect
        more expensive premiums. A really bad driving record will even determine
        the current insurer to drop the client. Safe drivers, on the other side,
        receive better rates.
    --  ZIP code. The majority of car accidents happen close to home. People
        living in a densely populated neighborhood, with more cars, are more
        likely to suffer a car accident, vandalism or theft. Parking the car in
        a garage will make coverage cheaper.
    --  Car model. An insurer will ask about car make, model, car type, year of
        production, installed safety features, condition, etc. Some cars are
        cheaper to insure than others. Luxury, sports car or extremely
        customized cars are difficult to insure and regularly will need a
        specialized insurer.

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