How to compare auto insurance rates? Many factors affect the auto insurance premium and you got to be aware of it. Each is a statistically based risk and may result in higher auto insurance premium. To get cheap car insurance, you need to shop around and compare auto insurance rates online. I will tell you what to consider to get lower car insurance rate.

1. When you need to compare auto insurance rates
Written by: Arthur Lacroix -
http://www.affordableautoinsurancesite.com
Many factors affect the auto insurance premium and you got to be aware
of it. Each is a statistically based risk for a specific group. The higher the
risk associated with a person, the more he or she is likely to pay for auto
insurance coverage. We have elaborated on some of the risk factors
below for you to be aware of. However, to get a better picture you should
try getting auto insurance quote from mayor market players. There is no
easier way then to get it online.
• Age
Statistically, drivers under the age of 25 are at greater risk of being in
an accident than those over age 25. Drivers between the ages of 50
and 65 generally have the safest records so they tend to pay less for
their car insurance premium.
• Gender
Women are statistically safer
drivers, but that trend is
changing as more female
drivers get on the road.
• Marital Status
A married person will pay less than a single person with an identical
driving record.
• Geography
Where you live makes a difference. Folks living in areas with little or
no traffic are likely to spend less on motor insurance than those living
in congested cities or suburbs because areas with a lot of traffic tend to
see more accidents. Some neighborhoods also have a higher rate of
vehicle thefts, which can result in a higher car insurance premium.
• Driving Violations
Having an accident or moving violations on your record (speeding
Compare auto insurance rates – factors affecting rates.

2. tickets, DWI, reckless driving, etc.) put you at a higher risk for
accidents and will likely mean a higher rate on your car insurance.
Some auto insurance companies will penalize you for your record for
as many as five years from when the incident occurred. However,
keep in mind, as your record improves, your premiumwill get lower!
• Vehicle Type
A cheap car will cost less to insure than that status symbol SUV sitting
on 24″ rims. So premium price will be different to when you compare
auto insurance rates.
• Accident Claims
A driving record that is clean and free of accidents will hold far better
for you than lots of tickets and/or accidents.
• Credit Rating
Many insurance companies view having a poor, or even no credit
history as suggestive of higher risk and thus, charge you a higher auto
insurance rates. Monitor your credit rating free to see if you can get a
better score. A better credit score will save on insurance premiums
and get you a lower auto insurance quote to begin with.
• Occupation
Insurers have statistically found a correlation between your occupation
and risk. For instance, a newspaper delivery person is most likely a
higher risk than the personal banker sitting at their desk all day.
• Education
A higher education can save on your insurance premiums.
• Driving distance to work
• Miles driven each year
• Years of driving experience
• Business use of the vehicle
• Whether or not you currently have auto insurance and how high are
your limits
• Theft protection devices (often results in discounts on car insurance)
Compare auto insurance rates – factors affecting rates.

3. • Multiple cars and drivers (another opportunity for discount auto
insurance)
What can I do right now to make sure I have the lowest premium?
Shop around and compare auto insurance rates from different auto
insurance companies.
Compare auto insurance rates – factors affecting rates.