There are many things that can affect your automobile insurance rates. Some are within your control, while others, like age and gender, are out of your control. It's good to know what you can do to lower your automobile insurance rates so you can get a great deal, and Zimmerman Insurance Agency of High Point, NC, is here to help. 

Here is a list of several factors that can affect how much your car insurance company charges you:

• Type of Coverage: A higher deductible will generally give you a lower premium on your automobile insurance rates, and vice versa. Comprehensive coverage and any add-ons like collision coverage will make your premiums go up as well.  
• Driving Record: Any past accidents or traffic tickets—often measured in “points” on your driver’s license—can be considered risks for an insurance company and cause them to charge you more. Also, any insurance claims made will be reviewed. If an insurer thinks you are likely to file a claim soon, that can bump up your rates.
• Mileage Expectations: How much you drive determines how likely you are to be in an accident—it’s just a statistical fact that if you’re on the road more, your odds of having an accident increase. On the bright side, this may reduce premiums for people who work close to home or who don't drive a lot.
• Type of Vehicle: If your vehicle has safety features such as anti-theft devices or extra airbags, it can lower your premium. On the other hand, if your car is on the most-wanted list by car thieves, your auto insurance rates may go up.

If you are wondering how you can lower your auto insurance rates, call an insurance broker to find out. When you’re ready for a quote, call Zimmerman Insurance Agency in High Point, NC, at (336) 883-6512, or visit their website to learn about all of their insurance products and services.