h="640" /> Factors That Will Increase Your Car Insurance Factors Affecting Cheap Auto Insurance Rates While auto insurance rates may be going down in some areas, there are certain factors that affect premiums no matter how expensive or inexpensive the insurance coverage is. Insurance plans being offered are always based on statistics of the population and when you are determined to be in a more risky group of the population then chances are you will have to pay more. This being said, when you are looking for cheap auto insurance, there are many companies that are offering better prices to keep up with their competition so even if you are in a high risk group, you may just be able to find that affordable car insurance that you are looking for. Factors You Can't Control Certain factors that affect even cheap auto insurance that you can't necessarily control include whether you are male or female and you age. They have determined that males are a higher risk group because they have more accidents than females. Also, younger age groups also tend to have more accidents. Being in either one of these groups raises the price of the premium. Two other factors which can be controlled but cause a hassle if you are just changing it for insurance purposes are your geographical location and you occupation. Those of you who live in higher traffic areas will pay more than those who live in areas of low traffic. If you have an occupation where you are driving your vehicle much more then you are going to pay more as well. Factors that You Can Control The main factor that you can control is the amount of traffic or driving violations that you have. When your driving record is completely clean, you are in a lower risk group so your premiums are then decreased. However, even if you only have one minor infraction, you enter into a higher risk group so your premium increases. The more violations that you have, the more you have to pay, and it can become very expensive to have any type of coverage. The Whole Picture Taking all of this into account, no matter what you are in terms of risk, have a look around online and check out the different rates that are available. Even if you are considered a higher risk, online auto insurance companies can offer you affordable insurance coverage that will save you hundreds of dollars a year.
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