If you have car insurance, you know how confusing purchasing it can be, especially since you may get varying rates from different companies. There are a number of factors that go into determining what rate you’ll receive when you apply. Agents will offer car insurance quotes based on factors like your driving record, age, and even the type of vehicle you drive. 

Here are three criteria that go into determining the car insurance rate you get:

• Driving History: Any insurance agent will be wary of a driver who has multiple speeding tickets, accidents, or prior insurance claims on their record, as these can be an indication of a liability. If you have multiple claims or accidents on your record, you can expect your insurance rates to be a bit higher than usual for about three to five years or until your record has been cleared again. 
• Demographics: Believe it or not, your age, gender, and marital status actually play a role in the car insurance rate you receive. People between the ages of 16 and 25 will pay the highest rates, with single males often paying more than the others. 
• Vehicle Status: The type of vehicle you plan to drive will play a significant role in how much you pay for car insurance each month. Your agent will consider the safety rating, size, and age of your car, as well as the overall risk of it being stolen. A brightly colored sports car with a large engine will likely hike up your insurance rates, while a reliable, smaller vehicle will save you a few dollars each month. 

If you’re a driver in Statesboro or Vidalia, GA, and are looking for a new car insurance provider, turn to the team at BestRate Auto Insurance. This team of knowledgeable and experienced insurance agents will find an option for everyone, no matter their circumstances, and will work hard to offer you the fairest prices possible. For more information on how they can help you insure your vehicle, visit them online or give them a call at (912) 489-5942.