Getting the best car insurance rate possible is the goal of most drivers. Several factors influence rates, many of which you have control over. With the right information, you can take steps to reduce your rates while also ensuring you have the right amount of coverage.

4 Factors That Impact Your Car Insurance Rates

1. Safety Ratings for Your Vehicle

Insurance companies are all about calculating risk. Accordingly, a car with the most up-to-date safety features costs less to insure since there is a lower risk of major injuries. The lower the safety rating, the more expensive your insurance will be.

2. Previous Driving Record

Do you have a lot of accidents and traffic violations in your past? If so, you’ll be viewed as high-risk by most insurance agencies. To keep your premiums manageable, make every effort to drive safely, and follow the rules at all times.

3. Current Location

If you live in a small town with a low crime rate and little traffic, your premiums will be lower than a person who lives in a big city; once again, it all comes down to risk. There is a better chance of an accident or another type of damage befalling a vehicle in a dense urban area than in a small, rural community.

4. Your Age

Insurance is usually quite expensive for new drivers. New drivers lack experience, which means they’re more likely to be involved in an accident. The good news is that insurance premiums usually decrease the older you get — provided you have a clean driving record.

In Statesboro, GA, BestRate Auto Insurance has diligently supported local motorists for over a decade. If you’re looking to lower your current rate, these agents can assist you. Their large network of carriers means they’re privy to numerous insurance options, so they can get you the most affordable option available. Receive a free car insurance estimate today by calling (912) 489-5942. You can also learn more about auto insurance, including your high-risk coverage options, by visiting the website.