There are a number of things that can affect your car insurance rates. Let us have a look at some of the most significant factors.
- The Kind Of Vehicle
Automobiles classified as intermediate-performance, high-performance, sports vehicles, or rear-engine models are charged higher insurance rates. Some states even rate four-door cars differently from two-door models. Most insurance companies offer discounts to customers who drive safer vehicles.
- Use Of The Automobile
If you use your car for business and long-distance commuting, you’ll have to pay more than those who drive less. The more miles you drive in a year, the higher the chances of a crash – irrespective of how safe a driver you are.
- The Place You Live In
If you live in a geographic area where accident rates, the number of claims filed, and the average cost of claims paid are higher, you are very likely to be charged more.
- Your Driving Record
An individual’s driving record is a significant factor that affects insurance premium levels. The more severe traffic convictions such as driving under the influence, leaving the scene of an accident, homicide or assault arising from the use of a motor vehicle, and driving with a revoked or suspended driver’s license results in higher insurance premiums.
- Individual Characteristics – Age, Sex, And Marital Status
Since all drivers under age 25, especially single males, are more likely to get involved in a crash, they are charged more. Insurance prices in most states reflect these differences.
You have little control over many of these aspects; however, you can make sure you have a clean driving record if you consult an experienced traffic ticket defense attorney to handle any violation. A reliable attorney will show you the right way of how to fight a speeding ticket and make sure that your driving record stays clean and keeping your insurance rates from rising.
The experts at My Traffic Tickets promise you the best possible outcome for your case. They help you keep your record clean and even handle the most serious of the violations for you. If you search ‘traffic ticket attorney near me’, you will find MTT among the top results. For more information, call 1-877-298-9099 right away!
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