The auto insurance Blandon PA offers is based on many factors unknown to many drivers. It’s the goal of most drivers to get the most affordable and most effective protection for their vehicles. In order to do this, drivers are going to have to pay attention to the factors affecting their insurance costs. The following provides just a few of these factors, and how they can affect how much you pay for the auto insurance Blandon PA has available.
Auto insurance companies prefer safe drivers. Safe drivers are the ones that are the least reckless and get into the least amount of accidents. These are the drivers that get the lowest premium rates and the most perks. An auto insurance company pays attention to a number of indicators that can determine a safe driver.
For starters, your car is a clear indicator of what type of driver you’ll likely be on the road. For instance, if you’re a driver who owns a brand new station wagon, there’s a good chance you won’t attempt to speed down the road going 100 MPH in a 40 MPH zone. However, if you own a brand new high powered sports car, there’s a good chance you’ll do a little speeding. These indications might not always be true, but statistically speaking they’re correct. People who drive sports cars tend to get more speeding tickets and get in more wrecks that those who drive station wagons. As a result, owning a sports car can increase your premium rate.
Your gender and age also are indicators of how well of a driver you’ll be. For instance, men are seen as more aggressive and more willing to take dangerous chances while on the road. Women are not seen this way. As a result, on average, men tend to pay more for premiums than women. Young drivers also tend to get the same treatment as men. Young drivers are often less experienced and therefore are seen as more reckless. If you’re a young driver between the ages of 18 and 25, you’ll likely see very high premium rates from a company offering auto insurance Blandon PA has available.
These are just a few of the factors that auto insurance companies pay attention to. There are many more that you should consider when getting insurance for your vehicle. Ask your agent what you can do to lower your insurance costs.