If you are a licensed vehicle owner in the state of California, then you are required by law to carry at least state minimum bodily injury and property damage protection insurance at all times. No matter what specific vehicle insurance coverage you may carry, however, receiving a notice that your premiums have risen can be frustrating. Have you ever wondered which factors can impact your auto insurance rates?
For the most part, your driving record is the biggest influence on your total policy premium. If you have recently had an accident that resulted in a claim or received a citation for a traffic violation, then your rates may increase substantially. On the other hand, if you have gone several years without an accident or violation, you may enjoy even lower rates.
The type of car you drive can also influence your auto insurance rates. In general, sports cars and cars with lower safety ratings tend to be seen as a higher risk and are thus more expensive to insure than cars with a higher safety rating.
To find out more about auto insurance, be sure to contact Cook,Â
Disharoon & Greathouse.
