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Car On The Road When it comes to shopping for auto insurance, you may be tempted to reduce your rates by lowering your coverage or raising your deductible. While these may be the most obvious ways to lower rates, there are other aspects to consider. Knowing what factors you can and can't control will help you find the best way to lower your auto insurance rates.


The vehicle you drive plays a part in calculating your rates. A car with a higher possibility of theft can drive up costs, however having an anti-theft feature can help lower your rates. A newer vehicle is more likely to have higher repair costs than an aging vehicle should an accident occur, due to collision rates. An older car is more likely to be considered totaled and discarded after an accident. The size and safety rating of your vehicle also has a part in your auto insurance rates. A larger vehicle tends to have higher safety ratings, meaning that there is a lower likelihood of your insurance company having to pay for medical bills of you or your passenger in the case of a collision.


While your vehicle itself does play a part in calculating your insurance rates, there are some personal factors that affect your rates as well. Studies have shown that young men have a tendency to end up in more accidents than young women, driving up the rates of teenage male drivers. Conversely, older women tend to be in more accidents than older male drivers, flipping the rates as you get older. Being married, having a high credit score, living in a less populated area, or having a career that requires little commute generally means lower insurance rates.

Driving Habits

The biggest factor affecting your auto insurance rates is your personal driving history. Being in an accident, getting tickets, or having a DUI puts blemishes on your driving record. While there is a risk of insurance companies refusing to insure you at all if you have a bad enough record, the good news is that the blemishes that you may have, lessen in the severity of their affect over time. Keeping cautious while you are driving, and keeping your vehicle in good condition, will help keep your insurance rates low.

At Fleming & Riles Insurance, we know and understand the difficulties in finding the best coverage at affordable rates. Call us today at (800) 833-4379 to find out how we can help you find the right Georgia auto insurance policy to ensure the safety and security of your loved ones.
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