SHADDOWRYDERZ
  • Home
  • Podcast
  • Watch
  • Cars
    • Acura
    • Honda
    • Infiniti
    • Lexus
    • Mazda
    • Mitsubishi
    • Nissan
    • Subaru
    • Toyota
  • Car Clubs
    • SUBMIT YOUR CAR CLUB
    • Car Clubs Africa
    • Car Clubs Asia
    • Car Clubs Caribbean
    • Car Clubs Central America
    • Car Clubs North America
    • Car Clubs South America
    • Car Clubs Europe
    • Car Clubs Oceania
  • Girls
  • Events
    • Advertise Your Car Event!
  • SHOP
  • Music
  • Resources
  • Blog

Auto Insurance - What Factors Effect Your Rates?

9/14/2021

0 Comments

 
Picture
​Car insurance is something that we all need - if we drive a car. While having car insurance may not be an option, just how much we pay for it is. There are a number of things that can make those numbers add up, while other factors will tend to bring those numbers down. Here are some of those things. 

Factors About You

This is probably the greatest factor about you that will set the rates. Car insurers tend to think that a male that is 25 or less is prone to be less careful than a female driver of the same age. This means that a young man will pay more for the same coverage on the same car than a girl would that is just as old. When you get married, though, you will usually see a drop in your insurance rates - guess that means you should be more responsible - and careful ñ even if you still are less than 25. 

Another thing is whether you have had a driver's training course or not. If you have had formal instruction, you can tell your insurance agent, and that should result in a small discount. And then there is the matter of your driving record. If you have traffic violations, or a past accident (or two) within the last three years, your rates will be raised accordingly. If you have enough of these, insurance companies will not insure you. 

Your job can also effect your insurance rates. If you drive a lot of miles every year, it increases the likelihood of an accident, which means higher rates. 

The Car

The car itself is also a main consideration as to what your auto insurance rates will be. This is based on risk to the insurer. A more expensive car means that an insurer may lose more money - so they charge you more for it. Obviously, your insurance rates on a Ferrari will be higher than on most other cars. Also, a brand new car right off the dealer's lot will be more than a car that is one year old. Some models of cars are the most likely to be stolen. These cars are reported regularly online every year, and if you want lower rates the stay away from these hot cars. 

Having certain safety features on your car can reduce your rates, too. If you live in an urban area, things like steering wheel locks, car alarms, and other features will lower your rates. 

The Neighborhood

Where you live is another main consideration. For instance, those living in an urban area will find their car insurance rates to be much higher than those who live in a rural area. This could be a difference of over 230% - depending on which city, and in what neighborhood in that city you live. With more traffic comes a greater likelihood of getting into an accident. Theft is also another concern. 

The Policy

The policy itself, and what you choose in the way of options and coverage, will also effect the price of your insurance payments. You can reduce your car insurance costs by increasing the deductible, and possibly by eliminating some of the other options you probably will never use. Make sure, though, that if you increase the deductible, that you can afford it. If you were to have an accident, it will be necessary to pay the deductible before the insurer will do their part.


0 Comments



Leave a Reply.

    Picture
    Picture
    Picture
    Picture
    Picture

    Guides

    ​How to Get The Most Out of Your JDM Car Show Experience 
    Jdm Culture - And Eco Friendly Car Care Brands
    ​
    Outrageous Reasons Cops Stop JDM Cars and What to do When it Happens to You
    ​
    A JDM Auto Parts Online Buyers Guide
    ​
    A JDM Wheels and Tires Online Buyers Guide
    ​

    JDM Lists

    10 Best JDM Engines

    JDM Product Reviews

    Gov-Auctions org Review
    Gov-Auctions.org VS Governmentactions.org

    Categories

    All
    Acura
    Car Clubs Africa
    Car Clubs Asia
    Car Clubs Caribbean
    Car Clubs Central America
    Car Clubs Europe
    Car Clubs North America
    Car Clubs Oceania
    Car Clubs South America
    Car Clubs Worldwide
    Fantom
    Honda
    Infiniti
    JDM Cars
    JDM Community
    JDM Entertainment
    JDM Events
    JDM Fashion Apparel And Accessories
    JDM Gaming
    JDM Girls
    JDM Music
    JDM Podcast
    JDM Racing
    JDM Tips And Tech
    JDM Videos
    Lexus
    Mazda
    Mitsubishi
    Nissan
    Subaru
    Toyota

    Listen to "THE Shaddowryderz Ignitionz Radio Show" on Spreaker.

    Archives

    August 2022
    May 2022
    April 2022
    March 2022
    October 2021
    September 2021
    August 2021
    June 2021
    May 2021
    April 2021
    February 2021
    January 2021

    RSS Feed

Powered by Create your own unique website with customizable templates.
Photos used under Creative Commons from State Farm, Javier Alfaro Fotografía, State Farm, Antoine de Cardaillac, Javier Alfaro Fotografía, JLaw45, andreboeni, andreboeni, QuoteInspector.com, JLaw45, Arturo Hurtado, dave_7, Moto@Club4AG, kangur_design, gaborlengyel, keimthedesigner, Antoine de Cardaillac, WillVision Photography, andreboeni, State Farm, QuoteInspector.com, andreboeni, Javier Alfaro Fotografía, dave_7, QuoteInspector.com, Rutger van der Maar, andreboeni, Arturo Hurtado, State Farm, dave_7, zanthrax-dot-nl, andreboeni, Antoine de Cardaillac, Hugo-90, Arturo Hurtado, andreboeni, QuoteInspector.com, mattbuck4950, QuoteInspector.com, Samee55, andreboeni, Antoine de Cardaillac, Javier Alfaro Fotografía, andreboeni, Arturo Hurtado, State Farm, fotupia, Javier Alfaro Fotografía, Lav Ulv, Antoine de Cardaillac, State Farm, Arturo Hurtado, M.T. El Bialy, Rutger van der Maar, justinc04, wuestenigel, Falcon_33, Ya, saya inBaliTimur, Javier Alfaro Fotografía, M.T. El Bialy, JiBs., JLaw45, QuoteInspector.com, Onroaders, QuoteInspector.com, free pictures of money, Antoine de Cardaillac, dave_7, DIYAutoGalaxy, topmotors, kangur_design, andreboeni, andreboeni, Javier Alfaro Fotografía, hang_in_there, M.T. El Bialy, igotphotos, ae_works, andreboeni, Ricky Flores, andreboeni, QuoteInspector.com, JLaw45, dave_7, Samee55, Free For Commercial Use (FFC), Arturo Hurtado, Antoine de Cardaillac, Antoine de Cardaillac, QuoteInspector.com, Javier Alfaro Fotografía, State Farm, QuoteInspector.com, Arturo Hurtado, andreboeni, Ian Gulinao, Javier Alfaro Fotografía, dave_7, rylovelace, 060sportcars, JLaw45, dave_7, Arturo Hurtado, Antoine de Cardaillac, QuoteInspector.com, andreboeni, andreboeni, Antoine de Cardaillac, Arturo Hurtado, Antoine de Cardaillac, ae_works, andreboeni, Antoine de Cardaillac, Jonathan Leung / artofstance.com, Antoine de Cardaillac, Rutger van der Maar, JLaw45, Antoine de Cardaillac, andreboeni, Javier Alfaro Fotografía, andreboeni, free pictures of money, andreboeni, andreboeni, QuoteInspector.com, ae_works, Javier Alfaro Fotografía, M.T. El Bialy, Javier Alfaro Fotografía, Javier Alfaro Fotografía, andreboeni, iamazeyou, gaborlengyel, free pictures of money, Ben Baligad, Rutger van der Maar, dave_7, Antoine de Cardaillac, Adrian Kot, State Farm, 060sportcars, QuoteInspector.com, Arturo Hurtado, Javier Alfaro Fotografía, Javier Alfaro Fotografía, Javier Alfaro Fotografía, Rutger van der Maar, free pictures of money, Rutger van der Maar, suendercafe, free pictures of money, Antoine de Cardaillac, QuoteInspector.com, QuoteInspector.com, QuoteInspector.com, M.T. El Bialy, QuoteInspector.com, andreboeni, Javier Alfaro Fotografía, andreboeni, andreboeni, Arturo Hurtado, andreboeni, Mervtography, Jones028, UnknownNet Photography, Javier Alfaro Fotografía, Adrian Kot, kangur_design, Arturo Hurtado, CaenAbel, JLaw45, QuoteInspector.com, Ivan Radic, dave_7, M.T. El Bialy, State Farm, andreboeni, Javier Alfaro Fotografía, enanon, Leap Kye, topten5, andreboeni, andreboeni, dave_7, Antoine de Cardaillac, Adrian Kot, JLaw45, Eric Tessmer, Honolulu Hawaii, Antoine de Cardaillac, State Farm, RL GNZLZ, Javier Alfaro Fotografía, Mervtography, dave_7, Antoine de Cardaillac, QuoteInspector.com, andreboeni, State Farm, Arturo Hurtado, free pictures of money, Arturo Hurtado, M.T. El Bialy, andreboeni, Javier Alfaro Fotografía, Crown Star Images, Arturo Hurtado, andreboeni, Seabird NZ, wuestenigel, Arturo Hurtado, SimpleFX, JLaw45, M.T. El Bialy, Javier Alfaro Fotografía, M.T. El Bialy, Arturo Hurtado, dave_7, JLaw45, Antoine de Cardaillac, Free For Commercial Use (FFC), Lav Ulv, Javier Alfaro Fotografía, QuoteInspector.com, andreboeni, QuoteInspector.com, Hugo-90, QuoteInspector.com, Rutger van der Maar, 060sportcars, Arturo Hurtado, eschipul, theflamers, e³°°°, free pictures of money, orange_advan, suendercafe, andreboeni, Arturo Hurtado, andreboeni, Javier Alfaro Fotografía, Ricky Flores, Javier Alfaro Fotografía, JLaw45, andreboeni, QuoteInspector.com, Arturo Hurtado, Chris Yarzab, Antoine de Cardaillac, daveoflogic, gaborlengyel, andreboeni, Crown Star Images, Arturo Hurtado, JLaw45, Javier Alfaro Fotografía, OiMax, State Farm, State Farm, andreboeni, andreboeni, andreboeni, Hugo-90, 060sportcars, State Farm, Antoine de Cardaillac, andreboeni, JLaw45, gaborlengyel, Antoine de Cardaillac
  • Home
  • Podcast
  • Watch
  • Cars
    • Acura
    • Honda
    • Infiniti
    • Lexus
    • Mazda
    • Mitsubishi
    • Nissan
    • Subaru
    • Toyota
  • Car Clubs
    • SUBMIT YOUR CAR CLUB
    • Car Clubs Africa
    • Car Clubs Asia
    • Car Clubs Caribbean
    • Car Clubs Central America
    • Car Clubs North America
    • Car Clubs South America
    • Car Clubs Europe
    • Car Clubs Oceania
  • Girls
  • Events
    • Advertise Your Car Event!
  • SHOP
  • Music
  • Resources
  • Blog