Read this before buying auto insurance to determine your auto insurance rating and lower your costs.

The factors, which determine ratings for auto insurance vary, but there are many similarities in as much as they are all based upon claim histories.

Some of the factors are:

1.The place where you garage your vehicle.

Insurance Companies want to know if your car is safe at night.

2. The area where you do most of your driving.

Every state except California uses this as a rating factor because more accidents happen in urban areas than in rural ones.

3.Your driving record.

It has been proven beyond a shadow of a doubt that people who accumulate traffic violations are more apt to have accidents that people with clean driving records. If you have had traffic violations it would be a good idea to go to traffic school and have the points removed from your drivers license before you apply for a new car insurance policy.

4. Your gender.

Since men tend to have more accidents than women, women get cheaper insurance rates. Jimmy says this is not fair but there’s nothing I can do about it.

5. Your age.

If you are below the age of 25 or over the age of 75 insurance rates are going to be higher.

6. Your history of insurance coverage.

Your new insurance company wants to know about your history with past insurance companies, how long you had insurance, what limits you have had put on you and the reason you left that company. Sounds like a job interview.

7. Your credit report.

Insurance companies have learned that a good credit rating is an indicator that that people will have less accidents.

8. How many miles you drive per year.

This indicates exposure of the car to highway traffic.

9. The make of the vehicle and the model.

You’re going to pay a lot more for insurance if you have a brand new Corvette than if you drive a four-door sedan.

Jimmy says there are a lot of factors that are taken into consideration when you buy car insurance. Some of these factors can be modified and some can’t.

Whoa Jimmy?

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Auto insurance rating is determined by a lot of different factors and if you have any ideas on modifying these factors, please share with our readers in the comments.