The type of vehicle you get insured is a big factor when youare looking for auto insurance. This isbecause the insurance company considers what it will cost them if you get intoan accident. The cheaper the cars worththen the cheaper the insurance will be on the vehicle.
Another consideration with auto insurance and keeping yourrisk low is the amount of mileage you are driving every week. The fewer amounts of miles you are drivingthen the less your insurance is. Theinsurance company will ask you how many miles your place of work is and howmany days you are driving to and from to work.They will use this calculation and add on a few thousand miles todetermine the amount of miles each year you drive your vehicle. Factors also included in this are things likethe weather in your area. If you live ina place like Arizona where it is nice all year round then your insurance willbe cheaper than if you have to drive on snow and ice for six months out of theyear like drivers in Colorado or Montana.The insurance will be extremely cheap if you telecommute or you workfrom home. This is a factor that youmust consider because the least amount of miles you tell the insurance companyyou are driving the cheaper your insurance will be.
If you have a garage then this will be a factor indetermining your costs for insurance and your risks. The insurance company will consider the areayou live in and the crime statistics based on car thefts. If you live in an area where there is a lotof crime and a high number of vehicle thefts then your insurance rates will behigher because you will be a high risk for the company. If you live in a rural area where next tonothing ever happen then your rateswill be lower. A garage will make a difference in a highrisk area because you are at less risk but it will not be that much lower.
A high risk driver is also considered by their age. The insurance companies consider that theolder that you get then the less prone to accidents and tickets you are. The younger drivers from ages 15-24 aresubject to higher rates. Once a driverreaches the age of 24 then their rates will begin to drop dramatically. You should also keep into account that themore claims you have on your auto insurance policy then the higher your ratewill be also.
An auto insurance policy looks at many factors when theydetermine the risk of driver you are. Ahigh risk driver means that you are a high risk for theinsurance companyhaving to put money out to have to repair the vehicle, the vehicle beingstolen, vandalized, and more. You shouldconsider all of the high risk factors when you go to get auto insurance.
