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When researching current rates for car insurance coverage, you've probably encountered varying dollar amounts that have given you pause. Why such fluctuations in rates? The law firm of Gregory S. Young Co., LPA is here to give you answers. A team of car crash attorneys based in Cincinnati, they have successfully represented clients throughout Ohio and Kentucky. They understand the complexities of determining auto insurance rates and how they impact you as a consumer.

Here, these auto crash lawyers share four factors that influence car insurance rates:

  • Driving Record: Your driving record is one of the first things an insurer investigates to determine your rates for coverage. A better driver will receive lower rates. A driver with a car crash, traffic violation, or other infringement will likely pay higher rates.
  • auto crashAge & Gender: Maturity counts for a lot when it comes to auto insurance rates. Younger drivers always pay higher premiums than older drivers. Also, women tend to have fewer auto crashes than men, which generally makes their rates lower. It's important to remember, however, that rates are highly individualized, and your driving record plays a more central role in coming to the total dollar amount. If you've been in a car crash and need the help of a skilled, experienced attorney, let Gregory S. Young Co., LPA help you explore your legal options.
  • Type Of Car & How Much It Is Used: Insurers consider some cars more dangerous and costlier to fix than others, and drivers of these vehicles will likely pay higher insurance rates. How often you drive your car will also influence your premium; if, for example, your car is only used to run errands a few times a week, you'll probably pay less for insurance than a daily driver.
  • Type Of Coverage: Insurance coverage can be bare-bones basic or it can come decked out with all the bells and whistles you need to be fully, comfortably covered in the event of an auto crash. The type of coverage you ultimately select will also have an impact on how much you pay for your insurance. The amount of any deductibles you are willing to pay will also play a role.

By knowing the factors that impact auto insurance rates, you can start to find the best coverage for your particular situation. If you've been involved in an auto crash, call Gregory S. Young Co., LPA at (513) 721-1077 to schedule a consultation with an attorney. You can also visit the firm online or on Facebook to learn more.

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