Anyone’s car insurance is affected by two sets of factors; ones that you can influence and ones that you cannot control. This is about the ones that you cannot control.
Car insurance in Virginia or in any other state is influenced by many factors. How high or low your car insurance premiums will be is something that you can control only to a certain point. There are some unchangeable auto insurance factors that will affect your premiums regardless of your actions. Here is a list of the unchangeable factors that affect your car insurance coverage:
Your age
Teenagers pay the highest car insurance premiums and there is nothing to do about it. The insurance companies justify that with the statistics that say that people under the age of 25 are more likely to be involved into accident than people older than 25. Also, there is a statistic that says people between ages of fifty and sixty five have the smallest chance to get into some sort of traffic accident. It’s more than obvious that you can’t do anything about that, apart from to live long enough to get low rates.
Your gender
Almost unbelievable but according to the statistics women are safer drivers than men. As a result of that they get lower rates. Therefore if you are a man you will have to live with that, unless you want to change your gender because of the lower car insurance premiums.
Your marital status
There is a small ultimatum here: Get married or pay high car insurance premiums! It might look like a changeable factors but the truth is that hardly who gets married or divorced because of his/her car insurance premium. Car insurance companies see marriage as a sign of stability and as a result of that point of view they give lower premiums to married people. Therefore if you are still not married you got one more reason to start looking for the love of your life.
Car theft in your area
This is only changeable only if you are the mayor of the city or a superhero that can fight crime, otherwise it falls into the unchangeable factors. Car insurance companies always take the crime rates in your area as a risk factor. Probably you can move into a neighborhood with less crime but then whoever did that because of the car insurance premiums. The only thing that you can change is your next address if you ever move and hope that the crime rate won’t rise over there as well.
Your bad luck
Let’s assume that you are one of those people that are always on the wrong place in the wrong time and as a result your car is often hit or damaged. And because of that you make frequent claims, which is pretty logical. Insurance companies don’t like that even so that every single time is someone else’s fault. The consequence of your bad luck will be increased premiums and there is not much you can do about that, it’s not like you can change your luck overnight. You can try to pay from your own pocket for the smaller damages, but for how long? And what’s the point of that if you are already insured.
Regardless of all that there is one simple thing that you can do and that can make a great difference for your car insurance premiums. Simply enter your zip code in on this page and you can get a great number of free quotes from plenty of companies that offer Car insurance in Virginia.
