Car Insurance Rate Factors

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How does the insurance company determine my premium?

When hunting down cheap car insurance, “How do insurance companies determine my premium for car insurance quotes?” is a common question drivers ask themselves, and it’s a very good question too. Unfortunately, you can’t just tell a car insurance company to “Determine my premium is the cheapest!” However, understanding the insurance industry basics of how...

When hunting down cheap car insurance, “How do insuran...

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The Real Costs Associated with Buying a New Car

Buying a new car can be a huge financial responsibility. Not only do you assume the payments for the automobile, but you also have to take responsibility for all of the associated costs, including fuel, tires, oil changes, and more. Insurance alone will end up being only a little less than the amount of the car payment by the time the loan is paid off, and if you have a few smudges on your driving or credit history, the cost could be higher than what you pay for the car.

Buying a new car can be a huge financial responsibility. Not...

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How Bankruptcy Affects Your Car Insurance Rates

Filing for bankruptcy can affect the rates you pay for auto insurance along with your other financial concerns. Because a bankruptcy affects your financial stability and because insurance companies look at your credit score to determine the risk of insuring you, filing a bankruptcy could have serious implications for your car insurance. Filing a bankruptcy is going to give you a bad credit score and a higher rate for car insurance is one of the side effects.

Filing for bankruptcy can affect the rates you pay for auto ...

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Defensive Driving Courses Can Lower Insurance Rates

One way to reduce the cost of car insurance is to take a driver improvement course. The idea, from the insurance company perspective, is that people who take an active interest in being better drivers are also going to be a lower risk, and since the company saves money, they pass the savings on to you. Defensive driving courses are not the only way to save money on car insurance, but taking one will definitely be a step in the right direction.

One way to reduce the cost of car insurance is to take a dri...

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Going to Traffic School Can Lower Your Car Insurance Rates

Attending a voluntary driver improvement course is a way to get cheaper car insurance rates that many people are not aware of. If you are trying to fit the coverage you need into a budget you can afford, traffic school is a possible option to lower your car insurance rates. Keep in mind that you will have to pay the cost of the course, but the discounts will typically more than make up for what you have to pay out a single time for the course.

Attending a voluntary driver improvement course is a way to ...

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