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What Impacts Your Car Insurance?

Getting car insurance is a tedious process. This is especially true because you are unlikely to get the same rate from different insurers. There are several factors that impact your car insurance. Getting the right deal is crucial for your overall money management strategies. 

factors that impact your car insurance

Factors that Impact Your Car Insurance

The factors that impact your car insurance are not always under your control. The most basic factors that impact your rates are your gender, age, marital status, and driving record. Let’s dig a little deeper to find more factors that influence your car insurance.

The Type of Car You Drive

The value of your car is a key determinant of the rate of your car insurance. In addition to the value, things like the safety rating of your car, it’s size and age can also come into play when it comes to the insurance rate. Other factors that impact your car insurance may include your engine horsepower. Given all of this, it’s always wise to call for insurance quotes before you make your final purchase decision. 

Your Credit Status

As much as your auto loan rate depends on the health of your credit, your insurance rate also may vary greatly depending on your credit status. The good news is you have control over this factor. Therefore, settling credit card debt on time takes precedence over anything else if you are serious about getting a good rate. 

The Nature of Your Commute

The driving record is one of the key factors that impacts your car insurance. The distance of your commute impacts it greatly. The farther you have to drive, the higher the risk for the insurance company. Where you live and where you park your car can also come into play when determining a rate.

ABOUT AUTHOR / Dilini

Dilini is a Marketing Communications & Programs Associate at ACCC. To anyone, managing finances can be a real challenge! Any tips and tricks to help get through this are great! Dilini will share her experiences, tips, and tricks along the way through the Talking Cents blog. Stay tuned!

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