4 Things That Affect Your Auto Insurance Premiums

Getting an auto insurance quote isn't always straightforward. There are many factors that go into how much you will pay for insurance. This is why you need to prepared to give the insurance agency information about yourself before you can get an accurate quote. Here are some things that will affect your rate.

1. Where You Live

Geographical location is an important factor in your auto insurance. There are certain areas of the country that are more dangerous to drive in than others. For instance, if you live in a place with high population and lots of traffic, it will be more expensive to insure your car than if you live in a small town away from the city. In addition, if where you live has a great deal of DUIs, it is more likely to be expensive to insure your car since this has a high correlation with accidents. Thus, don't be surprised if you have a change in the amount you pay for insurance as you move around.

2. Your Marital Status

People who are married tend to take less risks and get into less accidents. This is why your insurance will change in price as your marital status changes. This is also the case if you have children. When you have children that are not driving age, you are more likely to drive safely than if you are a young adult without any attachments.

3. Your Grades

If you are a college or high school student, your grades can affect the amount you pay in auto insurance. The better your grades are, the more likely you are to get a discount on your insurance each month. This is why you will be asked to submit your grades when you get a quote and each semester. It is assumed that if you perform well in school and have the discipline to study and work hard you will be a better driver.

4. The Make and Model Of Your Car

Lastly, the make and model of your car will affect how much you pay in insurance. This is to be expected since the more expensive your car, the more expensive it will be to repair. This means that if you have a newer car, if it is foreign made, or if it a sports car, you are going to have to pay more in insurance premiums.

By understanding these things you can know what to expect from your insurance agency, such as Crowel Agency, Inc.