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Factors That Affect Your Car Insurance Premium and How to Lower It There are many factors that affect your car insurance premium. Each is a statistically based risk for a specific population. The higher the risk associated with a person, the more he or she is likely to pay for coverage. We have elaborated on some of the risk factors below, but there are numerous others, including driver's gender, miles driven per year, purpose for using the vehicle (commuting to work, using for work, leisure only), etc. Factors you cannot easily change that affect your car insurance rates: * Your Age Statistically, drivers under the age of 25 are at greater risk of being in an accident than those over age 25. Drivers between the ages of 50 and 65 generally have the safest records. * Your Gender Women are statistically safer drivers (sorry guys). * Your Marital Status A married person will pay less than a single person with an identical driving record. » Discuss it » Continue Reading »
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