When you are in the market for a new auto insurance policy, you wonder how much the new insurer will charge you each month. You ideally want to pay as little as possible. However, you actually have no idea how your premium is figured out or what factors go into determining your rates.
Before you sign up for auto insurance in Sun City West, AZ, you are encouraged to get more details about the rate determination process. This information can help you prepare for how much you might have to pay for your policy each month.
Driving Record
When it comes to figuring out rates for new auto insurance in Sun City West, AZ, customers can count on their driving records coming into play. In fact, before anything else, your driving record will be pulled and reviewed prior to the insurance agent giving you a quote for a new policy.
If you have infractions like speeding tickets or parking fines on your record, your rates can be slightly higher than average. However, serious crimes like vehicular manslaughter or a DUI can make your rates go up exponentially.
If you have a questionable driving record, you can count on your premiums being higher than those of other drivers. You will have to budget accordingly each month to afford your insurance.
Age
Age is another factor that comes into play when determining your rates. Insurers consider teenagers and senior citizens to be bigger liability risks than drivers in other age categories. If you are a driver who is younger than 21 or older than 65, your rates will likely be higher than if you were between the ages of 21 and 65.
You can find out more about auto insurance online. Contact the Ideal Insurance Agency to get a free policy quote.
