There are so many factors that can affect your car insurance rate. Some you would expect, others may come as quite the surprise. Here are some shocking factors that you would never suspect as having influence over your car insurance rate.
As compared to singles in the same age range, married couples are typically more responsible behind the wheel. Should all other factors fall into place, newlyweds could see their car insurance rates drop by as much as 50%.
Live in a major metropolitan city with a large population? Expect a large monthly premium. Since there are more people in your general area, you have an increased chance of getting in an accident or being a victim of car theft.
If your job requires drive time or traveling, and you do a heavy amount of driving in general, expect to pay a bit more for your insurance. After all, the more you drive your car, the more chances you have to get in an accident.
Credit Score: Past and Present
Credit score has an impact on nearly every aspect of your adult life. Your insurance rate is no different. Barring special circumstances, a lower credit score will mean a higher monthly insurance rate.
Safety rating, engine size, model, and theft rate all come into play. The larger and faster your engine, the fancier your model, and the more often your type of car is stolen, the higher your monthly rate will be. If you drive a “safer” car, such as a minivan or an SUV that is loaded with features to prevent accidents, expect to see benefits in the form of a lower monthly premium.
Of course your personal driving record and where you purchase your insurance will also make a difference. To get a competitive quote for car insurance in Las Vegas, contact Accupro Insurance Services at (702) 251-4949.