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Five Important Factors That Influence Auto Insurance Premiums

A number of factors can affect the premiums for auto insurance. This article will list five of the major ones which should help anyone in the market for insurance shop around for the best possible deal.

  • The Make and Model of the Car: It is perhaps obvious that a more expensive car will have to be covered by higher premiums, but there are other things involved in the price of insurance as well. A car that is likely to be stolen will have higher rates, as will a car with certain modifications. The Insurance Services Office calculates these safety risks through their own special system. Any insurance shopper in Virginia can use an Internet search engine for more information on which cars will be more or less expensive to insure.
  • The Period Over Which the Premium is Paid: Most companies will charge less for those who pay an annual sum than for those who pay month by month. This is called paying ‘fractional premium fees' because the payment has been cut into segments. Generally, an insurance company will not inform the policy holder of this up front, largely because they prefer customers to pay the higher price. These fees will be listed on the monthly statement, so checking to see if they are there, then choosing an annual plan might be a good start on saving some money.
  • Credit Rating: Car insurance companies are just like many other businesses in that they prefer customers to have a good credit rating. Policy holders with a good credit rating will often pay a lower rate, because they are considered to be less of a risk. The insurer feels that a customer with a good credit rating is more likely to pay on time.
  • Teenaged Drivers on the Policy: It is a common belief that teenaged drivers should be added to the insurance policy as soon as they achieve legal driving age. In truth, a teenager should only be added to the main policy when they actually have a license of their own.
  • Canceling an Old Policy: When switching insurers, be certain to cancel the old one in writing. Discarding the renewal letter from the previous insurance company is just not enough. The old company will consider this non-payment, which is a black mark for the customer's credit rating – which leads, of course, to higher premiums do to a poor credit rating, as noted earlier. However, the new policy should be in place before the old one is canceled, since the old company may need to verify there is new coverage before the existing policy is dropped. Remember that the car dealer may also need to be notified of a change in insurance providers if there is any outstanding payment left on the vehicle.
Free Auto Insurance Quotes in Virginia

Accomack County
Franklin County
Norton City County
Albemarle County
Franklin City County
Nottoway County
Alexandria City County
Frederick County
Orange County
Alleghany County
Fredericksburg City County
Page County
Amelia County
Galax City County
Patrick County
Amherst County
Giles County
Petersburg City County
Appomattox County
Gloucester County
Pittsylvania County
Arlington County
Goochland County
Poquoson City County
Augusta County
Grayson County
Portsmouth City County
Bath County
Greene County
Powhatan County
Bedford County
Greensville County
Prince Edward County
Bedford City County
Halifax County
Prince George County
Bland County
Hampton City County
Prince William County
Botetourt County
Hanover County
Pulaski County
Bristol County
Harrisonburg City County
Radford City County
Brunswick County
Henrico County
Rappahannock County
Buchanan County
Henry County
Richmond County
Buckingham County
Highland County
Richmond City County
Buena Vista City County
Hopewell City County
Roanoke County
Campbell County
Isle Of Wight County
Roanoke City County
Caroline County
James City County
Rockbridge County
Carroll County
King And Queen County
Rockingham County
Charles City County
King George County
Russell County
Charlotte County
King William County
Salem County
Charlottesville City County
Lancaster County
Scott County
Chesapeake City County
Lee County
Shenandoah County
Chesterfield County
Lexington City County
Smyth County
Clarke County
Loudoun County
Southampton County
Clifton Forge City County
Louisa County
Spotsylvania County
Colonial Heights City County
Lunenburg County
Stafford County
Covington City County
Lynchburg City County
Staunton City County
Craig County
Madison County
Suffolk City County
Culpeper County
Manassas City County
Surry County
Cumberland County
Manassas Park City County
Sussex County
Danville City County
Martinsville City County
Tazewell County
Dickenson County
Mathews County
Virginia Beach City County
Dinwiddie County
Mecklenburg County
Warren County
Emporia City County
Middlesex County
Washington County
Essex County
Montgomery County
Waynesboro City County
Fairfax County
Nelson County
Westmoreland County
Fairfax City County
New Kent County
Williamsburg City County
Falls Church City County
Newport News City County
Winchester City County
Fauquier County
Norfolk City County
Wise County
Floyd County
Northampton County
Wythe County
Fluvanna County
Northumberland County
York County

Major Cities in Virginia

Alexandria
Newport News
Portsmouth
Chesapeake
Norfolk
Virginia Beach
Hampton


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