As you begin your search for the right auto insurance, you should review the factors that influence your final rate. Some are beyond your control, but there are others that you can adjust. Use the following guide to learn more about some common factors that can affect your car insurance premium. 

What Are Some Common Factors That Influence Auto Insurance Rates? 

1. Age

Insurance agents consider older drivers less risky to insure than younger ones. Middle-aged drivers have more experience behind the wheel and are subsequently considered better investments. Most agencies charge higher rates for individuals under 25, especially teen drivers. It's best to cover a young driver by adding them to an existing policy, as it’s generally more affordable than purchasing a separate one. 

2. Driving Record

Insurance companies want drivers with reliable driving records, not those with DUIs, traffic tickets, and accidents. DUIs and other major violations increase rates, and some agencies will not insure drivers with numerous violations. Drivers with clean driving records often qualify for safe driver discounts depending on which agencies they work with. 

3. Credit Score

Even credit scores can determine auto insurance rates. Individuals with lower credit scores often file more insurance claims than those with higher scores. By paying bills on time and finding other ways to improve your score, you’ll enjoy lower car insurance premiums. 

4. Location

The area you live in can impact your auto insurance rate. For example, if you live in a rural area that does not receive much pedestrian or driver traffic, your monthly rate will fall. The amount that you drive also makes a difference. If you routinely drive in city traffic, your rate increases compared to driving a few times a month.  

Discuss your car insurance needs with the agents at Auto Insurance Depot in Lake City, FL. They also have a business location in Live Oak. Since 1982, this insurance company has provided residents throughout North Central Florida with affordable homeowners, auto, RV, and renters insurance policies. Call (386) 247-6211 today for a quote or visit the website for insurance details.