A range of factors will affect your rates when it comes to car insurance. This is related to things that are both in your control and things that are not. These include your age, sex, and marital status. Insurance companies will adjust rates accordingly.

Statistics show that younger drivers stand a greater chance of being involved in an accident than older, married drivers. It is also a belief that younger and elderly drivers are more prone to accidents. Furthermore, women are said to be much more cautious drivers than men, and single drivers stand a greater chance of being in an accident.

Other aspects that may have an effect on your car insurance costs include your driving history, past claims, the type of car you drive, your occupation, your credit score and your area of residence. In places where the chances of collisions are low, the rates will be lower, and likewise for an area of high-risk of collision, rates will increase.

Traffic violations may also lead to an increase in your car insurance costs. To avoid this, make sure that you obey the rules of the road, as this will show that you are a responsible driver, thus lowering your risk and your rates. The amount of driving experience you have, your annual mileage, and your current vehicle coverage will play a part as well.

The rates of your car insurance will also be dependant on the type of car that you drive. Companies will take into account the weight, size and age of your car. The more expensive the car is, the higher the rates, simply because expensive cars are fitted with parts that will incur a higher repair or replacement cost. The heavier the car, the more likely it will be involved in an accident, while lighter cars pose less of a risk.

You have to manage your finances well, stick to a budget, and keep a decent credit rating. If you have a poor credit rating, car insurance companies will probably charge you higher rates. They will also take your occupation into account when working out car insurance rates. Whether you use your car for personal or business purposes, and the distance it takes to drive to work will also influence you rates. If your car is kept in a locked garage and fitted with a safety or tracking device, your rates will decrease, as the chances of theft will be less.

There are a variety of factors that will determine the rates of your car insurance, and it would be a good idea if you controlled what you can to make sure you get the most out of your insurance.