Was not one mystery, why does car insurance for one guy cost hardly more than peanuts? But another poor sod? You know, it makes your mind become more twisting and tortuous than a car tire on the wet road surface. When it comes to your wallet, any bereavement or shock, insurance rates are like putting together a jigsaw puzzle. Let’s take a look at some of these pieces—and try not to step on them. Click here!

 

First, let’s start with your driving track record. There is no surprise here; if you are driving like you’re on the set of Fast and the Furious then expect to pay through the nose. Speeding tickets and fender-benders are all chances for insurance companies to consider you a high risk driver. Keep your cool and maybe lower rates will follow suit.

Your car’s make and model are also a dicey business as far as affecting your costs go. If you drive a sports car, insurance companies may visualize you as a speed demon. On the other hand, if you own a minivan this could mark out you for cautionary driving. Having a sedan on the other hand or a station wagon or – heeelllpp!!! – A pumpkin coach, may also be defining your very live in the eyes of an underwriter if you will by which kind of vehicle you drive. (We are not an insurer that sells those kinds of cars, The preceding comment makes no sense whatsoever and we reserve the right to disregard it, as we generally are not responsible this kind of error)

In addition, age and sex are both threads in this complex pattern. Younger drivers of whatever sex – but particularly male ones, statistically speaking – for example, are often thought to be higher risk. It’s not you: it’s just business. Youth is synonymous with, and insurance companies do not wish to foot the bill for your youthful foolishness.

Think about where you live, too. It’s not just the four-or five-digit code; it’s the general tenor of the community. When an area is known for car thefts and smash-and-grabs, then insurance rates can spring up like a frog in spring. Insurers want to know where your car sleeps at night — A crowded city street or a quiet suburban driveway?

Credit score is another factor. Some companies take into account how you manage money. Hard to believe, isn’t it? With a perfect score, for instance, your rates may be lower. Find it strange that remuneration influences yet again some other area in life? I do too, but so it goes.

Lastly, mileage is important. The more you drive, the more likely you will be involved in an accident. Keep those rates down by taking shorter trips to work. Perhaps even walk, or (just imagine!) tele-portation is invented.¬

The curious dance of insurance rates leaves no step unplanned. Just two eyes on the road should keep your bank account from swerving into a ditch.