Affordable auto insurance. We all want it, right? And yet, millions of drivers — hundreds of millions of drivers, more likely — bemoan the fact that they cannot get affordable auto insurance … or so they firmly believe.
The fact of the matter is that many drivers are not even aware of the many, many factors that can have an effect on their car insurance rates. There are so many things that can make you pay more — or less. You can control some of these. Some factors, however, are beyond your control. We are going to look at those first.
To begin with, your age is a factor. It may come as a surprise that drivers between the ages of fifty and sixty five statistically have the safest driving records. Drivers under twenty five are considered the highest risk.
Your gender plays a part in your premiums as well. In spite of all the jokes about female drivers, for instance, they pay lower rates — they are considered less risky.