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Cheapest Car Insurance Quotes can be Found Easily with Rating Factors

To get the cheapest car insurance quotes, you need to know about risk factors and how you can avoid them. Companies use statistically based information to determine the amount of risk they will be taking on by insuring certain drivers, so they can determine if they will qualify for the cheapest car insurance quotes. There are some risk factors that determine whether you will receive the cheapest car insurance quotes, such as age and sex, which you can do nothing about. There are, however, some items that you can change to obtain the cheapest car insurance quotes.

1. Age: Statistically, driver who are under the age of 25 are at the greatest risk of being in an accident and therefore do not typically qualify for the cheapest car insurance quotes. This is generally attributed to lack of experience. Drivers between the ages 50 to 65 usually have the safest driving records. As such, the older driver will get the cheapest car insurance quotes.

2. Gender: Women are statistically safer behind the wheel than their male counterparts and as such will more likely qualify for the cheapest car insurance quotes.

3. Marital Status: A married person will typically pay less than a single person with the same driving history. Some speculate that this is because marriage alludes to maturity and responsibility, which ultimately will give you the cheapest car insurance quotes.

4. Location: Where you reside makes a difference in whether you will get the cheapest car insurance quotes. Usually, people who live in less trafficked areas with low crime rates will get the cheapest car insurance quotes. As where those who live in highly congested and high vehicle theft areas will pay more for car insurance.

5. Driving Record: Since companies base rates on risk, the higher risk you have the more money you will pay for premiums. Having an accident or moving violation will put you in a higher risk bracket. Any violations such as a speeding ticket, reckless driving or DWI will make your rates skyrocket. These can stay on your record for 5 years, depending on the insurer. Remember, as your record improves and violations drop off your history, you can start to enjoy the cheapest car insurance quotes and rates.

6. Car Make and Model: Generally, a smaller, safer, less flashy car will yield the cheapest car insurance quotes rather than an expensive, fancy sports car with a lot of gadgets.

7. Keep Claims Low: If you get a baseball through your window, it may be cheaper to replace it from a junk yard than to make a claim on your insurance. Each claim you make pushes up your premiums. So, you may not have to pay for that window now, but you could end up paying much more for it in the long run. Look at your policy to see what is covered before making a claim, to ensure you will still get the cheapest car insurance quotes.

8. Credit Score: Credit ratings give a peek at a different kind of risk – whether you will pay your bill on time or at all. The lower the credit score, the higher the premiums.

9. Education: A higher education can mean you will really get the cheapest car insurance quotes. Talk to your insurance agent about occupation and discounts.

10. Time Behind the Wheel: The less you drive, the less risk you take on. Keep your miles low by walking or using public transportation and you could get the cheapest car insurance quotes.

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