What Affects Your Car Insurance Rates? Find Out!
Your Driving History If you have a clean record, with no accidents or traffic violations , you’re considered a lower risk to insurers . This can lead to more affordable premiums. However, if you’ve been involved in multiple accidents or have a history of speeding tickets , your rates are likely to spike . Insurance companies use your driving record to assess how likely you are to file a claim. The logic is simple: if you've been involved in accidents before, you're more likely to get into another one. If you have any violations on your record, taking a defensive driving course can sometimes help reduce your premiums. Where You Live Matters Your location plays a role in determining your car insurance rates. If you live in a densely populated area or a neighborhood with high crime rates , you’ll probably see higher premiums . Additionally, if vehicle theft is common in your area, that can raise your premiums too . When it comes to Tucson auto insurance , the specific a...