可能影响你的汽车大发888dafa费率的5个因素
根据美国医学研究所进行的一项研究.S. 新闻 & World Report, the average annual cost of car insurance is $1,553. 如果你曾经货比三家买过汽车大发888dafa, it’s likely you already know that rates can vary greatly depending on the provider, 覆盖选项, 你住在哪里, 和更多的. While a clean driving record could lower your premium, a few other factors could also have an impact on your rates.1
If you’re looking to get the best deal on car insurance, it’s important to take into consideration these five critical factors that could affect what you’re paying:
因素1:制作 & 你的汽车型号
The type of car you drive can have an impact on how much you’re required to pay for coverage. For example, luxury vehicles or exotic cars tend to cost more to cover. That’s because foreign or high-end vehicles can be more costly to repair or replace. 除了, the more desirable a car is, the more prone it may be to theft. Cars with a greater probability of being stolen may require higher insurance rates.
While it may be tempting to save up and splurge on a high-end car, it’s important to remember the ramifications this purchase may have on your monthly or yearly insurance payments.
因素2:邮政编码
除了 to your state of residency, insurance companies tend to look at your zip code. That’s because more densely populated areas (such as larger cities) tend to experience more theft, 破坏公物, 事故发生率比农村地区高. 除了, those living in larger cities are often limited to street parking—another factor that could up your rates.2
因素3:你的车龄
Not only have cars become more sophisticated and technologically advanced over the years, 但它们也变得更安全了. 车辆安全标准达到了历史最高水平, 和更多的 protocols are in place now to protect the driver and passengers during a collision than ever before.
This means that the age of your car may have an impact on your insurance rates. While older cars are typically less expensive to purchase, they may hike up your insurance premiums. Some insurance companies will offer discounts if you’re looking to insure a brand new vehicle.2
因素4:你的驾驶记录
Your driving record will definitely impact how high your insurance rates are. If you have previous accidents to report, they’ll almost always drive up the cost of your premiums. A clean driving record is rewarded with better rates by insurance companies. 为什么? Because they believe they’re taking less of a chance on insuring you. 当你有很多交通罚单的时候, 芬达弯管机, 还有你驾照上的分数, insurance companies see you as a greater risk to cover. 如果你的记录特别危险, you may even have to work a little harder to find an insurance company that will insure you at all.2
因素5:婚姻状况 & 新司机
When you want to add your spouse or a dependent to your policy, 你几乎总是会看到利率上升. 记住, 然而, that many major insurance companies typically offer married couples discounted rates. 这意味着如果你最近结了婚, reassessing your car insurance policy should be at the top of your to-do list.2
Another time you may be adding a new driver to your policy is if you have teenage children at home. Adding a teen driver to your policy will make your rate go up. Young drivers with limited experience are more prone to accidents, and insurance rates will reflect that risk with higher premiums for you as their parent or guardian.
You may not be able to control every factor that affects your car insurance rate, 但重要的是要知道哪些是你可以做到的. 开车安全, 选择制作, 模型, 明智地保养你的车, and shop around to find the right policy for you and your family.
1. US新闻.2022年6月3日
2. KBB.2022年1月1日
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务 professionals for specific information regarding your individual situation. This material was developed and produced by 消费品 Suite to provide information on a topic that may be of interest. 消费品, 有限责任公司, 不隶属于指定的经纪自营商, 国家或证券交易委员会注册的投资咨询公司. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. 版权所有2022 消费品 Suite.
