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What some California car insurance companies would prefer you don’t know about car insurance rates….
Not all companies use all of the below factors to determine car insurance rates. And not all companies weight all the factors the same. For both of these reasons it’s best to get at least 3 car insurance quotes when you shopping for car insurance as your car insurance rate can vary greatly from one California car insurance company to another.
Having good credit doesn’t just qualify you for low percentage loans, it can also help you get affordable car insurance. Car insurance companies believe that the better your credit report the better driver you will be and therefore they can offer you better car insurance rates.
Have you ever noticed one of the first questions a California insurance agent will ask is how far do you drive to work? That’s because car insurance companies rate on the distance you drive everyday. The farther you drive the more expensive your car insurance rates. The fewer miles your put on your car the more affordable your car insurance rates will likely be.
Advanced degrees can help get you a better paying job and they can help you get affordable car insurance. The reason some car insurance companies use education to rate car insurance is because through the years they have seen that drivers who have higher education degrees typically get into less accidents.
Another reason is that higher education typically entitles someone to a better paying job. Those who make more money can afford to pay for minor fender benders that tend to increase car insurance rates. By filing less claims, higher education drivers, or drivers who can afford to pay for minor accidents out of pocket keep their car insurance rates affordable and low.
If you are paying off a car loan or if you have leased your car most car insurance companies make it mandatory that you carry comprehensive and collision insurance. This coverage, commonly referred to as comp-and-collision will raise your rates and make them less affordable.
If you own your car you have the option to carry comp-and-collision. If you don’t carry please be aware that means you might have to pay more out of pocket expense if you were to get in to an accident than if you had comp-and-collision.
Young drivers and teen drivers will have a difficult time finding affordable car insurance in California. There are a few reasons for this. Young drivers simply haven’t been driving long. The lack of experience is rated like a driver with a poor driving history.
Only when young drivers establish a clean driving history can a car insurance company begin to lower their rates and offer the young driver more affordable rates.
Woman’s car insurance rates are frequently cheaper and more affordable than men’s. The reason is largely due in part to men driving too fast and having poor driving records in comparison to women.
Unfortunately for men, if you want to drive they will have to pay for it as you are seen as higher risks to insurance companies in California who tend to offer cheaper car insurance rates to women.
Who would have guessed that your current car insurance company could effect how much you page when you go to buy a car insurance policy.
The reason for this is because some car insurance companies are know in the industry as specializing in insuring high-risk drivers. If you list one of these insurance companies as your current car insurance company when you go to get a quote for you might find yourself finding anything but affordable car insurance rates.
If you served your country you may be eligible for affordable car insurance rates. Some insurance companies offer military discounts. Also, some companies weight this factor more than others. It’s best to get multiple car insurance quotes to see who will factor you military service more.
Whatever you do, you should try not to have a lapse in your car insurance coverage. Most importantly because it is against the law to drive without car insurance. Secondly, drivers who have a lapse in coverage will not find affordable car insurance as easily as drivers who haven’t had a lapse.
Your job may effect how much you pay for car insurance in California. For example, some insurance companies have higher rates for the self-employed and doctors. The reason being is that the self-employed talk on their cell phone more while driving which puts them a great risk of getting into an accident. And doctors are thought to be in a rush to get to the hospital for an emergency.
Which jobs are awarded the most affordable insurance? That’s not known. But know that whenever you get a new job, get a quote on your car insurance. You new job might just have saved you money.
Where you live in California plays a big role in how much you pay for car insurance. If you live in an urban area like San Francisco you will most likely pay more for car insurance than if you lived in the suburbs or in the woods like in Humboldt county.
The reason for this is because there is more of a chance of your car getting stolen or of you getting into and accident if you live in the city. Ask your friends who live in the suburbs or in the woods in California how affordable their car insurance is.
Where you park and/or garage your car will have an influence on how affordable your car insurance is in California. For the most affordable car insurance, garage your car. This will keep your car safe, less likely to be vandalized and stolen and it will keep your car insurance rates low.
If you drive a car that can go fast, chances are one of these days you are going to see how fast it can go. That right there is a reason you might not find affordable car insurance rates compared to the driver in the right lane who drives 55 MPH.
Other factors that could result in difficulty in finding affordable car insurance rates include the color of your car (red cars might cost more to insure), the age of your car (newer cars cost more to insure) and the make of your car (SUVs and sports cars are generally more to insure).
Safety features may have an impact on your car insurance rates. Items to be aware of when buying a car include the number and position of the airbags, the type of seatbelts you have, antilock brakes (two-wheel and four-wheel ABS), traction control, head restraints, electronic stability control and all-wheel drive. All of these might change the price you pay for a 6-month car insurance policy.
Has a car insurance agent ever asked you if you smoke? If you smoke or not could be the deciding factor in your car insurance rates being more or less affordable. Why would smoking affect your rates? The word is that to some California car insurance companies smoking is indicative of risking personality.
Get a free online quote on affordable car insurance to see how much you can be saving. Better yet, get 3 as all car insurance companies use different factors to determine car insurance rates.
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