What Affects Your Car Insurance Rates? Find Out!

  Your Driving History If you have a clean record, with no accidents or traffic violations, you’re considered a lower risk to insurers. This can lead to more affordable premiums. However, if you’ve been involved in multiple accidents or have a history of speeding tickets, your rates are likely to spike. Insurance companies use your driving record to assess how likely you are to file a claim. The logic is simple: if you've been involved in accidents before, you're more likely to get into another one. If you have any violations on your record, taking a defensive driving course can sometimes help reduce your premiums. Where You Live Matters Your location plays a role in determining your car insurance rates. If you live in a densely populated area or a neighborhood with high crime rates, you’ll probably see higher premiums. Additionally, if vehicle theft is common in your area, that can raise your premiums too. When it comes to Tucson auto insurance , the specific area of the city...