Welcome to Car Insurance Tips

Your Driving Record and Car Insurance Premium Costs

There are factors you CAN change that affect your car insurance premium costs, and your driving record is one of them. Your auto insurance rate is largely determined by the number of automobile accidents and moving violations that appear on your driving record.

While time and consecutive months of violation-free driving are the best way to decrease your car insurance rates for the long run, you can also take online defensive driving courses to dismiss traffic violations and earn a discount on your car insurance.

Factors that Affect Car Insurance Premium Costs

Your car insurance premium costs are affected by two types of factors: those you can change, and those you cannot. Your geographic location and your driving record are two examples of factors you can change. Both take considerable time to affect.

Age, gender, and marital status are examples of factors you cannot change. (You can change your sex and marital status, but it is rather drastic to do so for car insurance costs savings.) Doing research and shopping for car insurance online will help you find cheap auto insurance premiums for your particular set of factors.

Gender and Car Insurance Premium Costs

There are factors that affect your car insurance premium costs that you simply cannot change or affect. Gender is one of them. (You actually can change your gender, but doing so for cheap car insurance rates is rather drastic.)

Statisticians and actuaries can show years of evidence that suggest emphatically that women make safer drivers. If you are a man, your car insurance premiums will be more expensive relative to the car insurance premiums of your female counterparts.

Geography and Car Insurance Premium Costs

There are factors you CAN change that affect your car insurance premium costs, and where you live is one of them. Sometimes moving two blocks away or to a different zip code can drive your car insurance premiums up or down.

Statistically speaking, drivers who live in rural areas are far less likely to have an automobile accident or to have their car stolen, and therefore their auto insurance premiums will be lower.

Age and Car Insurance Premium Costs

There are factors that affect your car insurance premium costs that you cannot change or affect. Age is one of them.

The highest rate of fatal car crashes among licensed drivers is drivers age 15-20, closely followed by drivers over age 70. If you fall into one of these two age categories, your car insurance premiums will be higher since history tells us these two groups are most likely to have accidents.

If you fall between the ages of 20 - 70, age will be less of a factor in your car insurance premium costs. Doing research and shopping for car insurance online will help you find cheap auto insurance premiums for your particular age.

Marital Status and Car Insurance Premium Costs

There are factors that affect your car insurance premium costs that you simply cannot change or affect. Marital status is one of them. (Actually, you can change this one, but it's a rather drastic step to take just to save money on your car insurance.)

Married drivers, statistically speaking, are safer drivers than single people, and as a result, their car insurance premiums relative to single people are lower.