{"id":352,"date":"2022-10-31T04:30:37","date_gmt":"2022-10-31T04:30:37","guid":{"rendered":"https:\/\/www.costulessdirect.com\/?page_id=352"},"modified":"2023-01-23T23:46:07","modified_gmt":"2023-01-23T23:46:07","slug":"what-affects-insurance-rates","status":"publish","type":"page","link":"https:\/\/www.costulessdirect.com\/car-insurance-quotes-online\/what-affects-insurance-rates\/","title":{"rendered":"What Affects My Insurance Rates?"},"content":{"rendered":"
When considering a car insurance policy, calculate how much coverage you actually need. Decide on the limits you want to set for each category, the total deductible, and if you are comfortable paying this deductible amount. Use common sense! Does it make any sense to carry collision insurance worth $30,000 on a $12,000 car? Is there any way the company would pay you three times the market price of your vehicle? Absolutely not!<\/p>\n <\/div>\n \n\n
A number of insurance requirements apply if you are getting a new car financed, so you have little room to wiggle there. But, if you are driving an old car that\u2019s done some long hauling and isn\u2019t worth a fortune, you could consider saving on your premium.<\/p>\n
Before you decide to drop coverage, make sure you can pay what it was worth. Think about what it could cost you if your car got stolen, or wrecked, or if you or someone else got hurt.
\nCalculate the cost of insuring a new luxury car before you buy it. If your new vehicle is worth that hefty premium, go for it. If you are not comfortable footing that bill on an annual basis, look for something else.<\/p>\n
You can\u2019t help where you live, but you will pay a raised premium in cities and towns where crime and accident rates are high, as opposed to small towns or the countryside. Now if that\u2019s an incentive to move, maybe you should!<\/p>\n <\/div>\n \n\n