Company Information Home About Us Meet Our Professionals Contact Us Products & Services Homeowners Insurance Auto Insurance Business Insurance Life Insurance Health Insurance Other Resources Partner Companies Frequently Asked Questions	Frequently Asked Questions What factors affect my auto insurance costs? Driving history - Maintaining a "clean" driving record (no tickets or accidents will keep your insurance costs lower. Age, gender, marital status - There is statistical evidence that some drivers (for example, young male drivers) will have more accidents than others, which makes them a higher risk for insurers, so they are charged a higher premium. Driving patterns - Generally, the more you drive, the more you pay. If you use your car in business and drive over 25,000 miles a year in a heavily populated area, your insurance will cost more than a driver living in a rural area with low annual mileage. Your car - Some cars will cost more to insure because they are more expensive to repair, are more easily damaged in an accident or are targets for theft. Amount of insurance - While higher policy limits will cost more, you can lower your premium by increasing your deductibles. Credit history - Some states may use your credit as a factor in determining your rates. If you have excellent credit, you might pay less.
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