Other Factors that can have an Impact on your Insurance Rate

Where you live

Auto insurance is usually more expensive in urban areas. There are exceptions, especially if you live in a rural area where there are lots of automobile/animal accidents (Think deer in Wisconsin). What you drive

Almost everyone knows that more expensive vehicles cost more to insure. However, replacement part costs are also a factor. Some foreign cars are more expensive to insure as a result of this factor (though most major foreign brands have high part availability).

What else you insure

If you own a home, you will get a discount if you insure your vehicle with the same company that carries your homeowner’s insurance. What many people don’t know is that renter’s insurance often works the same way. You should have renters insurance anyway, so why not ask about discounts before you purchase an auto insurance policy.

How you protect your car

Car owners with secure garages usually get lower rates. Anti-theft systems will often result in a discount as well. This is especially the case if your anti-theft system is “active” (i.e. shuts the car down if a thief attempts to drive it away). Passive systems (the ones that make loud noises) will usually not result in lower rates.