Factors You Can Control When Looking For Rate Quotes

ByAllan Koenen

There are a number of factors that affect the rate you will have to pay for insurance. Looking at them, even if you are not able to change them or choose not to do so, can help you examine a quote to get the lowest rate possible. These factors include: age, gender, location, marital status, and accident and ticket records. Obviously, not all these factors will be something you are able or willing to change.

Location of where your vehicle is garaged is one of the biggest factors in determining costs. Often a difference of only a few miles can make a significant difference, sometimes as much as a few hundred dollars difference. So, if it is possible to move your location, you could save. If you don't plan or desire to move, you can check different companies to find one that does not have a high penalty for location.

Another major factor affecting rates is your accident and ticket record. Though you cannot change a current record, you can work toward improving you record in the future. Adopting a new, safer driving style can help in the future. Again, looking for a company that doesn't have such a high penalty for this factor can help save you money if this is a negative factor for you.

Age and gender are factors you can't do much about. Thus, it is best to either find a company that doesn't impose as large a penalty for them, or find different discounts the company offers that can help offset the higher cost based on these factors. Be assertive in looking for discounts, and in asking what discounts might be available that may not be advertised but are available to some policyholders.

Another factor you could change, and may choose to do so, though preferably not just for the price advantage, is your marital status. Single policyholders generally have higher premium costs. So, if you are planning a wedding, be sure to request the new lower rate you are entitled to. If you don't wish or plan to get married in the near future, again, look for a company that doesn't penalize so highly for being single.

Examining factors affecting rates for Alabama auto insurance and looking at different discounts available helps you get the lowest rate possible. It is possible, and highly desirable, to compare rates and available discounts between different companies. This helps you pay the least amount possible for the same coverage.

Breaking news: Change to Vermont auto ins law highlights uninsured motorist issue. You can find details about the benefits of having UM/UIM coverage and more information about Alabama auto insurance requirements, now.

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Insurance: Car-Auto
Allan Koenen

Email Address:SubscribeCar Auto Article FeedFind More ArticlesSearchRecent ArticlesHow Save Money On Your Auto InsuranceTips on How to Pay for Car InsuranceWhy You Should Own a ConvertibleChoosing a Good Auto Insurance CompanyTips on Getting Auto Insurance Quotes OnlineThe Steps For Filing A Car Insurance ClaimTheft of Personal Property From Car - Does Your Insurance Cover It?Learning From A Vehicle Insurance OverviewHow to Choose the Right Car Insurance PlanWhat Information Do I Need to Compare Car Insurance Online?Submitted On January 14, 2012. Viewed 2 times. Word count: 411.

MLA Style Citation:
Koenen, Allan".".14 Jan. 2012EzineArticles.com.26 Jan. 2012 .APA Style Citation:
Koenen, A. (2012, January 14). . Retrieved January 26, 2012, from http://ezinearticles.com/?Factors-­You-­Can-­Control-­When-­Looking-­For-­Rate-­Quotes&id=6817008Chicago Style Citation:
Koenen, Allan "." EzineArticles.com. http://ezinearticles.com/?Factors-­You-­Can-­Control-­When-­Looking-­For-­Rate-­Quotes&id=6817008EzineArticles.com© 2012 EzineArticles.com
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