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Car insurance rates are thought-out calculations that insurance providers develop based on your data and claim information. All this information tells your insurance provider how risky it is to insure you.

For example, if you’re a high-risk driver, you will pay more premiums as opposed to a safe driver. Therefore, understanding these factors can help you lower your risk factors and ultimately reduce your auto insurance rates.

Here are some of the factors that affect your insurance rates.

1. Age

Young drivers, under the age of twenty-five, are usually immature behind the wheel and are easily distracted, making them high-risk drivers. It’s, thus, common to find higher auto insurance rates for drivers between the ages of 16 to 24.

However, if you keep a clean record, your auto insurance rates are more likely to stay fairly flat until you become a senior driver.

2. Driving experience

It’s no doubt that inexperienced drivers pose more risk on roads than experienced ones. If you have a teen with a car, ensure they maintain a clean driving record and allow them to drive in low traffic areas to avoid unnecessary accidents.

This will not only improve their driving skills but also lower your insurance rates.

3. Driving record

Any road violations under your name pose a high risk to your insurance premium costs. For instance, if you have several speeding tickets, a DUI, or are involved in several minor and major accidents, your insurance rates will be high.

You can avoid this by taking defensive driving classes and generally being a safe driver to maintain a clean record.

4. Use of vehicle

How often you use your vehicle and what you use it for has a significant impact on your insurance rates. For example, if you use your car to go to work, your chances of being involved in an accident are higher than a car driven in the neighborhood. In this case, ensure your policy covers the business use of your vehicle.

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All Star Insurance provides the lowest insurance rates in Killeen, Texas. Contact us today to receive a quote on your insurance rates.