Car insurance rates can seem random and confusing, and with so many different types of insurance to choose from, it can be hard to know what to expect. The associates at First Choice Insurance have been providing cheap car insurance options in the Fairfield, Ohio area for years. They know that knowledge is power, and that learning about how insurance quotes are calculated can help ensure that you get a fair deal.

Many different factors can impact your auto insurance quote, and it’s important to know what they are so you can make smart choices. Car insurance companies look at lots of statistics to determine who is a high-risk driver and who isn’t. 

Some things that negatively affect your auto insurance are beyond your control, like age and gender. Typically women get lower rates on car insurance because they tend to engage in less risky driving behavior and are responsible for fewer collisions than male drivers. Teenagers are also seen as high-risk drivers, as they have a much higher collision rate and higher risky driving behavior than older more experienced drivers.

While these things are beyond your control, much of what determines your auto insurance rate is within your ability to change. A major factor is your driving history; drivers with more traffic tickets and moving violations are considered riskier, and thus have higher insurance rates as well. One of the best things you can do to improve your insurance costs is be a safe and responsible driver.

Another factor in determining your car insurance rate is the type of car you drive. A 10-year old sedan or minivan will cost less to insure than a brand new sports car. Part of this is because of the total cost of the vehicle, and part of it is because certain car models tend to attract riskier driving behavior.

By making sure you are always insured, avoiding tickets and driving violations, and maintaining your car, you can be sure to expect reasonable auto insurance rates. For more information on auto insurance quotes or SR 22 insurance bonds, call First Choice Insurance at (513) 860-0666.