Factors That Impact Your Rates
In addition to the specific coverage options that you select, other factors that affect your auto insurance rates include the following:
Your deductible: This is the amount of money that you pay out of your pocket if you get in an accident. The higher your deductible, the lower your insurance bill.
Age: Younger, less experienced drivers have higher insurance rates.
Gender: Men have higher rates than women.
Claims: Accident-prone drivers pay more. If you want to keep your rates low, keep the number of claims that you file to a minimum.
Moving Violations: Speeding and other moving violations all hurt your insurance bill. Obey the law to help keep your rates from rising.