Certain factors raise the rate you pay for car insurance.

When you’re looking for auto insurance, it can be tempting to reduce your rates by choosing lower amounts of coverage or by raising your deductibles. These are the two most obvious factors that directly affect the price that you pay for car coverage. But insurers look at your personal details as well as your coverage to determine your auto insurance rate. So that you better understand the details that influence your premium as well as your risk factors, read on.

Your Age – The younger, more inexperienced you are, the more you’re going to pay for auto insurance. Generally, you can expect steady and low rates from the ages 35 to 60, but once you’re driving as a senior, your premiums may creep up again.

Where You Live – Parking your car in a garage overnight will earn you a discount on your rate. However, if you reside in a neighborhood where theft and vandalism are common, you may experience higher premiums than normal.

Your Mileage – Quite simply, the less you’re on the road, the less likely it is that you’re involved in an accident. If you do more miles than the average American, you can expect higher premiums, especially if you’re driving to and from work in heavy traffic.

Vehicle Safety – The better your vehicle’s safety rating and features, the less you’ll have to pay out every month. If your car comes equipped with daytime running lights, automatic seatbelts, and sensors that prevent accidents, you may enjoy a discounted car insurance rate.

Your Occupation – You may be thinking that this is irrelevant to car insurance, but insurers have found that those in certain fields drive safer than others. For example, firefights, nurses, doctors, and police officers tend to be some of the safest drivers on the road.

If you need a new policy or are simply looking to switch to a reliable auto insurer, visit Tompkins Insurance Agencies. Our professionals can help you to secure car insurance that suits your needs and vehicle, all at the right price.