Wonder what you can do, if anything, to your auto insurance rates in Lees Summit, MO? While there is no definite answer as every auto insurance company is different. There are common factors that most insurance companies use to determine your monthly car insurance premium.
The insurance professionals at Epic Insurance of compiled a list of the top five factors affecting your car insurance costs and the things you can do to help your premium.
Auto Insurance Factors
Most of the factors that go into auto insurance rates, you can’t do much about. But you can be a better driver, pay your bills on time and consider bundling your home and auto insurance as ways to save on your premiums. Here are things that may be affecting your auto insurance premiums.
Where you live
Unless you want to move to a new area, there isn’t much you can do about this one. Insurance companies view certain areas higher risk than others. Maybe it’s weather related like hail, or if the city is more accident prone, whatever the care you could pay more for places deemed riskier by the carrier.
How often you drive
The more you drive, the more you pay. Since you are commuting more and increase your chance of an accident, you could spend more than drivers who are on the roads less.
What you drive
Type of car you drive plays a role in how much your auto insurance rates are. For cars considered intermediate-performance, high-performance, or sports vehicles, and for rear-engine models, insurance companies charge higher rates.
How you’ve driven in the past
Auto insurance companies frequently look at claims history and if your driving record to gauge what type of driver you are. The more that shows up, the more could pay.
Your marital status
Studies have shown married couples to be safer drivers than their single counterparts. If you haven’t tied the knot yet, you could have higher insurance rates.
While every situation is different and based on the individual, the friendly staff at Epic Insurance would love to help Lees Summit, MO drivers understand their auto insurance better. Stop by or give us a call today!