“Circumstances alter cases” runs the old adage, and never was it truer than in the case of motor vehicle insurance rates.
How much you pay for the average auto insurance will depend on your personal driving record, age, sex, location and the type of motor vehicle you propose insuring.
Your driving record is important, as the prospective insurer is clearly going to have reservations about issuing cover for a motorist who has been involved in a number of accidents (especially of his own causing) and had recorded against his name convictions for driving offences.
Age is another factor, and, motor vehicle insurers being necessarily conservative, the magical age here is 25 in most western countries. Statistically, drivers under the age of 25 are higher risks on the road, and accordingly they will always pay higher premiums for their car insurance. Providing that you’ve maintained a clean driving record while you’re younger, your average auto insurance rate will take a sharp drop once you pass that quarter century milestone.
Location has a bearing, also, as the lower traffic density in a country town means that on the law of probabilities your chance of being in a bingle there are infinitely lower than in downtown New York. That, of course, assumes all things being equal; every place has its loonies, but in a small town where everyone knows everyone else, at least you know who to avoid!
The insurance company will take into account, as well, the type of car you drive. Here again, the company will generalise, so that if you drive a 6-litre Jaguar you’ll pay a great deal more than the chap who runs around in a Toyota Yaris. Your insurer assumes, not unreasonably, that as your Jag is capable of terrific acceleration and high speed, that’s how you will drive it; the accident risk factor is patent.
Moreover, if you’ve been with the same insurer for a number of years, don’t let him take you for granted. Keep him honest. Get quotes from other companies for the same plan, and if there’s a favourable difference in the new quote, use it as a bargaining tool with your insurer to lower average auto insurance rate. See how keen he is to keep your business.
Your other big advantage these days is access to quotes on-line, meaning that you are not sitting across the table from a salesman and feeling pressured into signing anything. You can peruse all the quotes you pull up, then make up your own mind in your own time.
When looking for the average auto insurance, it is advisable to take time and compare the different rates offered by different companies. The best advice for getting the average car insurance rates by state is to shop around.
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