Motorists can take several actions to keep car insurance affordable.
Online PR News – 25-May-2010 – – Several factors are taken into consideration when insurers calculate the premiums of potential policyholders; some of which can be controlled by the motorist and some may not. Individuals should take a moment to understand what is affecting the price they pay for premiums and take control of the factors that can be causing inflated premiums.
Although a motorist cannot control their gender or age, which are used to determine premiums, one of the biggest factors that can reflect the cost of coverage is a person’s driving record; the habits that a person has behind the wheel can directly affect their rates and this is something that can be controlled by motorists. Practicing safe driving and avoiding tickets and accidents will greatly increase the chance of keeping automobile policies affordable.
The automobiles being insured will affect how much is car insurance as well and is another way that consumers can control the cost of coverage; for those in the market for a new vehicle, it may be wise to see what the price of insuring it would be before driving signing on the dotted line. Two cars in the same price range can have significantly different premiums.
According to the consumer guide 9 Ways To Lower Your Auto Insurance Costs, it states, “Before you buy a new or used car, check into insurance costs. Car insurance premiums are based in part on the car’s sticker price, the cost to repair it, its overall safety record, and the likelihood of theft.”
One other way to keep insurance costs down is to shop around; with such a wide variety of insurer available, comparison shopping is a very effective way to ensure that the best price is paid for protection. For more information on what may affect the price of premiums, visit http://www.onlineautoinsurance.com/quotes/how-much-car-insurance-costs.htm for list of factors that are used by carriers to determine premiums and how they are used.