Auto insurance rates vary a great deal from person to person, and insurers use a number of factors to arrive at a price. To help you better understand your rates, Michael E. Glick Insurance in Boerne, TX, explains the most important factors below. Some you can do little about, but others you have complete control over.

4 Factors That Determine Your Auto Insurance Rates

1. Your Age & Personal Characteristics

Teenage drivers pay a premium because of their inexperience. Also, drivers over the age of 70 to 75 often pay more because they tend to file more claims. Women tend to be less risky drivers than men are, and married people tend to be safer drivers than singles, so women and married people will typically pay less.

2. Your Driving History

If you have a history of accidents and moving violations, you'll pay more than people whose driving records are clean. If you can go three to five years without an accident or a ticket, you may qualify for a safe driver discount.

3. The Car You Drive

The car you drive is one of the most important factors when calculating auto insurance rates. The newer and more expensive it is, the more you'll pay. However, the more safety features it has, such as side airbags, stability control, or anti-lock brakes, the more of a safety discount you'll receive.

4. Your Credit History

Insurers use parts of your credit history to determine your insurance payments. The more responsible you've been with payments and the longer and more stable your credit history, the less risky you'll be deemed and the less you'll pay for auto insurance.

The information above should help you understand pricing and lower your auto insurance rates. To discuss your coverage options, contact Michael E. Glick Insurance in Kendall County. They have extensive industry experience and a long record of successfully serving clients with their auto, home, life, and business insurance policies. Visit their website to request a quote or call (830) 816-9488 to speak with a friendly, helpful agent.