affordable auto insurance rates from reputable auto insurance companies in Illinois.
When searching for car or auto insurance there are several things that can affect the rate of your insurance policy. Some of the factors that affect your yearly insurance premium are in your control, and others are not. The make and model of the card that you drive, and your driving record itself are two things that you have control over whereas your location and occupation are two other important things about you that can lead to a lower or higher car insurance premium.
The make and model of your car
The easiest way that you can increase your chance of having a lower insurance rate is to drive a safer car. The make and model of your car influence your insurance rate because certain cars are safer and thus less likely to cost the insurance company money. One example of this would be that sedan type cars generally have more safety features than trucks. Newer model cars also tend to have more safety features and will thus be cheaper to insure.
The importance of having a clean driving record
Something else that you have control over is your driving record. Your driving history and record play a significant roll when your insurance company is determining your rate. A clean driving record can mean low car insurance premiums because it shows that you are a safe driver. On the other hand, if you have speeding tickets or a lot of car accidents on your record, that means that you are probably at a higher risk of getting into a car accident again, this will translate into you paying more for your car insurance.
Where do you live and work?
Whether they’d like to admit it or not, insurance companies use your address as a means of determining just how much you will pay for your car insurance. Different states have different laws about car insurance, and living in a particular state may be a benefit or a hindrance when it comes time to pay your premium. The zip code of where you live and the immediate area around it is then used to calculate the average amount of accidents in a year where you live. If you live in an area where there is a high rate of car accidents or crime you may also end up paying a higher car insurance rate. Likewise if you live in an area where there are a low amount of yearly accidents and there is a low crime rate, you may receive a discount off of your yearly car insurance premium.
Your occupation
Your insurance company may also take into account your occupation when they are setting your car insurance rates. If you have a job where you drive often because of travel or other circumstances or if you are likely to be on the phone often while you are on the road, you can be charged more for insurance. Usually there are insurance discount options for people who are retired, who work from home or who use public transportation to commute – less travel during busy driving hours means less likely to be in a wreck and lower rates.
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