Finding the loopholes in your car insurance

I didn’t realize that there are so many loopholes when signing up for car insurance. I just bought my first car and my insurance spiked. I used to be on my parents’ insurance plan but now that I am trying to be a big girl and have my own expenses, I’m trying to get a great insurance deal. I’ve been told by multiple people to do my research and find the best rate and policy for me by shopping around. Most insurance providers will try to compete with one another to get your loyalty; however, some insurance rates can go up if you are known for flip-flopping between insurance companies.

salt lake auto insuranceSo, here are a few tips to get better insurance policies when you buy your first car. First of all, there are a ton of factors that determine your insurance rate and very few of them are factors that you can control. But there are a handful of factors that you can actually control. For example, did you know that your auto insurance could decrease if you take different crash course training. So, it is very important to take some sort of car safety training before you get your license since you will be better able to get out of difficult situations with your car.

Likewise, the second factor that you can control to decrease your car insurance rate is your GPA. It is proven that students with a high GPA (3.0 or higher) are more likely to make more responsible decisions than students with lower GPAs. So, if you keep your grades up, your insurance policy will decrease because you are more likely to understand the importance of personal responsibility.

However, some of the most important factors for your auto insurance rating are not very controllable. For instance, your gender and age have huge influences over the pricing of your insurance. My Salt Lake car insurance provider altered my car insurance policy when I turned 25 because I was deemed “a more responsible driver.” I just find it absolutely ridiculous that my insurance went down because I aged one extra year. I mean, come on. I understand that most insurance policies are determined by various statistics, but I have always been a safe driver, so my insurance rates should not be compared to those of my reckless peers. I just find it annoying if anything. At any rate, your age and gender can dramatically alter your insurance rate.  That said, there are so many other factors that affect your insurance policy. For instance, did you know that your average mileage can significantly change your insurance rate?

If you have to drive long distances to get to and from work, then you are more likely to have a higher insurance rate. Insurance providers increase their rates depending on your annual mileage because they argue that the longer and farther you drive, the more likely you are to get into an accident. However, depending on where you live your insurance can also change. If you live in a rural area and you have to drive long distances to get to work, you may end up having a cheaper insurance rate than someone who lives in a busy urban area and doesn’t drive his or her car very much.