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Auto Insurance Premiums Very Costly

“Insurance rates differ from person to person and are based on a few factors,” says a noted specialist working in the Tri-State area and employed by an independent agency. “It all boils down to how much of a risk you as a driver may be.”

Eight Factors that May Affect Your Auto Insurance Bill

Some of the things that determine how much you pay for auto insurance are listed below.

• What Type of Vehicle you Drive
There is a clear difference between makes and models of cars in regard to safety. Moreover, higher-end cars attached to a bigger price tag are more attractive to car thieves and are more expensive to replace; they are also more expensive to fix after an accident.

• Your Address
If you live in a place that has a higher crime rate, your premium will reflect the risk of theft. If you locality has proportionately more auto accidents and submitted claims, it will have an effect on your premium as well.

• How You Use Your Car
If you use your car for the commute to and from the workplace or use it for business purposes, you’ll

Young Driver Car Insurance

Did you know that most automobile accidents involve young drivers, and most
fatalities caused by automobile accidents involve young drivers? It’s sad but
true. While we want to protect our young drivers, we can’t feasibly stop our
young drivers from obtaining their driver’s licenses until they are older and
more experienced. Besides, they wouldn’t be able to gain that crucial driving
experience if we did.

One of the most important and beneficial ways to lower young driver car
insurance is to enroll your young driver in a driver education and/or driver
training course. Not only could it help lower young driver car insurance, but it
will also teach the young driver valuable lessons in driving.

Driver education courses will teach your young driver how to operate a motor
vehicle safely, quite possibly in a variety of driving conditions as well as in
problematic situations that may arise. Aside from the driving experience, driver
education courses will teach your young driver the importance of vehicle
maintenance and how the condition of the vehicle will affect the vehicle
operates. These courses also teach drug and alcohol awareness.

Most U.S. high schools offer these types of courses in their curriculum, and
some even make these courses

About Car Insurance No Claims Bonus Explained

Put simply, if you have had Car Insurance for 4 years and you have not made a claim in that time, then you have 4 years No Claims Bonus. No Claim Bonus is probably the single biggest factor affecting the cost of your Car Insurance premium. Every year that goes by without you making a claim is another year of No Claims Bonus.

Generally speaking, the more No Claims Bonus years you have, the cheaper your premium will be for the car you need to insure. This is because Car Insurance companies can see that your history regarding making any accident claim is a good one.

When changing provider, Car Insurance companies will usually ask you to prove your No Claims Bonus in the form of a renewal notice or a letter from your current Car Insurance company. If you have several years of No Claims Bonus but then make a claim, the Car Insurance company will usually apply it’s rules of how much to knock back your No Claims Bonus Years. Some companies such as Accept Direct [http://www.acceptdirect.co.uk] offer to protect your No Claims Bonus for an extra fee during the quotation process. Having full