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Do you know how your car insurance rate is determined?

Below are a few tips to help you the next time your shopping for car insurance companies.

  1. Your driving record

The cleaner your driving record, the lower your premium will be. For instance, if you’ve had 3 accidents in the past year, your insurance company will believe that it’s likely you’ll have another one in the near future, so your insurance will likely be higher.

  1. Age

According to insurance companies, the more experience you have behind the wheel, the less likely you are to cause an accident.

  1. Gender

Statistics show that males are more likely to be involved in an accident than females.

  1. Marital Status

Statistics show that married drivers are less likely to crash than a single person.

  1. Where you live

If you live in an urban area that’s packed with traffic and has a high theft rate, your premium could be higher than if you live in a rural area.

  1. Make and model of your vehicle

If you drive a newer vehicle with higher crash safety features, you could be rewarded with lower rates.

Of course, there are other factors involved with determining your insurance rate. If you’re ready to shop around for the best policy for you, contact Higgins Insurance.

We have 2 convenient locations for your insurance in Hopkinsville, KY and for insurance services in Clarksville, TN. Our agents would be glad to hear from you today, call us at 888-457-2307!

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