Good Car Insurance Rate - Five Questions Determine Your Car Rates

1. How old are you? Most insurance companies charge higher insurance
rates for teens and young drivers, and your rate may be partially based on your
age.

2. What kind of car do you drive? If you're trying to insure a vehicle
that is going to have expensive repair costs, isn't rated as being very safe, or
is quite likely to be stolen, your insurance company may raise your insurance
rates.

3. Where do you live? Some areas are more likely to pose the risk of auto
theft or vandalism, and your insurance company is going to take your area of
residency into consideration when setting your insurance rate.

4. How's your driving record look? If you have a clean, or relatively
clean, driving record your insurance company is most likely to give you a break
on your insurance rate. However, if you have a record of multiple collisions or
traffic violations, your insurance company is going to take those into account
and probably raise your insurance rates.

5. How much do you drive? Insurance companies figure that they more often
you drive, the more accidents you are at risk for having, which makes sense. If
you don't drive much and have low mileage each year, especially if you carpool,
tell your insurance agent.