What affects auto insurance rates?

Factors include your driving record, age, credit score, type of vehicle, location, coverage amounts, and prior insurance history.

Auto insurance rates are influenced by factors like your driving record, age, location, credit score, the type of car you drive, and the coverage level you select. Drivers with a clean record, good credit, and less risky vehicles tend to pay lower premiums.

Living in a metropolitan area with high traffic or crime rates can increase insurance costs. If you live in a suburban area with less risk of accidents, your premium may be lower.

Shop around and compare rates from different insurers to get the best deal. If possible, maintain a clean driving record and improve your credit score to help lower your rates.