About Me

Learning About Car Insurance

Hello, my name is Cliff Bolton. Welcome to my site about vehicle insurance. I wanted to learn all I could about insurance before I started driving to go into the decision-making process with ease. Once I started exploring the insurance industry, however, I could not stop reading. I learned all I needed to know to obtain car insurance and much, much more. I created this site to share this knowledge with my readers. I hope to help others tackle this important decision without worry. Please feel free to drop by daily to learn new information about this important topic. Thank you for visiting my site.


Latest Posts


Learning About Car Insurance

Uncontrollable Factors That Affect Auto Insurance Premiums

by June Peterson

If you ever compare the amount of money you pay for auto insurance to the amount other people pay, you may see some major differences. While the types of cars each of you have can affect your rates, there are other things that also affect the rates you and others pay for auto insurance. Some of these factors are within your control, but there are a number of other factors that are not. Here are some factors you cannot control that will offer people the lowest prices on car insurance.


Did you know that your gender plays a role in the amount you pay for your auto insurance? Insurance companies base quotes on risk, and they base risk levels on statistics. According to statistics, insurance companies have found that women are less risky than men when it comes to driving. Because of this, you may pay less for your insurance coverage if you are a female.


A second factor you cannot control that will affect your auto insurance rates is your age. People who are 25 years old through 65 years old are considered the safest drivers around, and insurance companies reward people in this age category by offering them lower rates. People who are under 25 pay more due to their inexperience behind the wheel and the higher risks of getting into accidents. People over 65 may have problems with vision or reflexes, and these are some of the reasons they will pay more for coverage.

If you are approaching the age of 25, it might be worthwhile to contact your auto insurance company to find out if this will make a difference on your policy premiums.

Marital Status

You may also not realize that your marital status can also affect the rates you pay. When an insurance company calculates a quote for you, they are likely to give you a discount on your policy if you are married. They do this because married people tend to be less of a risk than people who are single.

If you recently got married and have not let your insurance company know, call them now. When you call them, you may also want to find out if bundling your policies with your spouse's policies could offer discounts on your policy. Bundling usually does result in discounts, which is why you may want to ask for a quote for a combined policy.

Where You Live

If you ever wondered why insurance companies want to know your address before offering you a quote, it is because where you live will also affect the amount you pay. Certain areas are considered less risky for insurance companies, and this can include rural areas. If you live in an area with a lot of crime, you will pay more for your policy, simply because there is a greater risk of theft in your area.

Your Car's Mileage

You may not realize too that the mileage you put on your car can also affect your rates. People who drive fewer miles are viewed as lower-risk drivers to insurance companies. If you work from home, this may be beneficial for you when it comes to your auto insurance rates. You should ask an auto insurance company about this factor, because you might qualify for a discount if you do not spend a lot of time behind the wheel of your car.

These are some factors you cannot control when it comes to the price you pay for auto insurance, but there are also factors you can control. To learn more, contact an insurance company like Wolf Insurance Agency to ask for a quote.