You may have noticed your wife's car insurance payments are a bit less than yours—even though your driving records are similar—or that it costs a fortune to insure your teenage son. Jenkins & Bevan Insurance, the most respected auto insurance agency in Amherst, OH, explains why this is and what factors insurers use to determine your auto insurance rates. 

5 Key Factors That Influence Your Car Insurance Rates

1. Personal Details

Your age, sex, and marital status all play a role in how much you pay. Men tend to file more claims than women do, so women are a safer bet for insurers. Single people file more accident claims than married couples, and young, inexperienced drivers are the most problematic of all for insurance companies.  

2. Your Location

If you live in a large city or regularly drive through high-crime areas, you will pay more for car insurance than if you live and work in a sleepy suburb.

3. Annual Mileage

The more you drive, the more likely you are to file a claim eventually, so car insurance companies penalize you if you drive more than a certain number of miles per year.

4. Driving History

Of course, driving history is the single most important consideration when auto insurance companies assign premium amounts. If you've been involved in previous accidents, have violations on your record, or have driven with a lapsed insurance policy, you'll pay more than if your record is unblemished.

5. Credit Rating

Surprisingly, your credit rating also comes into play when insurers assign rates. They find people with a poor credit history tend to drive with less care and file more insurance claims.

Jenkins & Bevan Insurance, the premier car insurance agency in Amherst, OH, can help you design an affordable auto, home, business, or life insurance policy to protect what matters most. Since opening its doors in 1954, this esteemed insurance agency has helped countless customers throughout Lorain County protect their families, homes, and businesses. Visit their website for contact details, or call (440) 984-6771 to speak with a friendly expert about your insurance needs.