Auto insurance is a necessary expense if you own a car to ensure that you are protected from any unfortunate incident on the road. When looking for the right policy, it is important to make sure that you get the right amount of coverage for the right price. There are many factors that affect the cost of your car insurance policy, including:
- Age – your age is one of the biggest factors that is used to determine the cost of your auto insurance. If you are under 25, you will pay higher premiums than if you are over 25.
- Gender – many studies have shown that women tend to be safer drivers, so women tend to pay less each month for their auto insurance policy.
- Driving record – insurance providers will look at your past driving record, up to five years, to determine your auto insurance rate. The better your driving record, the lower your insurance premiums will be.
- Type of vehicle – the more expensive your vehicle is to repair, the higher your insurance premiums will be. There are also some vehicles that are less prone to accidents, which helps to keep your premiums low.
- Age of vehicle – as a car ages, its value decreases, and so do your auto insurance rates. However, some cars that are a lot older also do not have certain safety features, which can increase the cost of your insurance.
- Where you live – some areas are safer than others, which means that your auto insurance premiums will be lower.
Contact the insurance professionals at Idaho Insurance / Affordable Insurance in Caldwell, Idaho for all of your auto insurance needs. As an independent insurance agency, we will work with you to ensure that you have the right amount of coverage at the right price to fit your budget.