Lifestyle can have a far bigger affect on your car insurance premium than you might think. Variables like where you live, what you do for a living and how much you drive can have a big impact on car insurance premiums.
That means it might be possible to lower your premium by taking these factors into account when you ask for a car insurance quote. Changing your lifestyle can also lead to a higher or lower car insurance premium.
How much do you drive?
The amount of driving that you do can have a big impact on car insurance rates. The reason for this is obvious, the less you drive the less likely you are to get into an accident. That means a soccer mom who uses her minivan for commuting might pay more than a writer who only drives his Porsche on the weekends.
If you take public transit to work or work from home it might be possible to reduce your premium. A lot of people who don’t drive that much could be missing out on a much lower car insurance premium.
One way to reduce your insurance is to reduce your driving. Getting a bus pass or riding a bike is not only green it could save you money on your car insurance.
You can take advantage of this by telling insurers how many miles you drive when you ask for an insurance quote. Many insurers offer lower premiums and special policies for persons who don’t drive that much.
Where do you live?
Your choice of residence can have a big impact on your car insurance. People who live in rural areas often have lower premiums because there are fewer accidents in such regions. Those who live in the city may pay more because of higher rates of accidents and car theft there.
You can make up for living in the city by driving less or by keeping your car in a garage. Garaged cars are less likely to be stolen so using one can lower insurance premiums.
Marriage and Work
Another big lifestyle factor that impacts car insurance is marriage. Married people often pay lower rates because insurance companies believe that they are a better insurance risk. That means getting divorced could raise your insurance rates.
Your profession could have a huge impact upon your car insurance rates. Those more likely to work at home such as artists and writers often have a much lower insurance rate. Persons who have to drive a lot in their jobs such as salespeople will pay higher premiums.
Taking your lifestyle into consideration when you shop for car insurance could save you a lot of money. Making a few changes to the way you live could also reduce your car insurance premium.
That means it might be possible to lower your premium by taking these factors into account when you ask for a car insurance quote. Changing your lifestyle can also lead to a higher or lower car insurance premium.
How much do you drive?
The amount of driving that you do can have a big impact on car insurance rates. The reason for this is obvious, the less you drive the less likely you are to get into an accident. That means a soccer mom who uses her minivan for commuting might pay more than a writer who only drives his Porsche on the weekends.
If you take public transit to work or work from home it might be possible to reduce your premium. A lot of people who don’t drive that much could be missing out on a much lower car insurance premium.
One way to reduce your insurance is to reduce your driving. Getting a bus pass or riding a bike is not only green it could save you money on your car insurance.
You can take advantage of this by telling insurers how many miles you drive when you ask for an insurance quote. Many insurers offer lower premiums and special policies for persons who don’t drive that much.
Where do you live?
Your choice of residence can have a big impact on your car insurance. People who live in rural areas often have lower premiums because there are fewer accidents in such regions. Those who live in the city may pay more because of higher rates of accidents and car theft there.
You can make up for living in the city by driving less or by keeping your car in a garage. Garaged cars are less likely to be stolen so using one can lower insurance premiums.
Marriage and Work
Another big lifestyle factor that impacts car insurance is marriage. Married people often pay lower rates because insurance companies believe that they are a better insurance risk. That means getting divorced could raise your insurance rates.
Your profession could have a huge impact upon your car insurance rates. Those more likely to work at home such as artists and writers often have a much lower insurance rate. Persons who have to drive a lot in their jobs such as salespeople will pay higher premiums.
Taking your lifestyle into consideration when you shop for car insurance could save you a lot of money. Making a few changes to the way you live could also reduce your car insurance premium.
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