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Who Sets Auto Insurance Rates? If you haven't insured a vehicle for a few years they will also penalize you. This sounds crazy but it's because they have no way of following up on your driving habits so they consider you a bad risk. What coverage you purchase will be reflected on your premiums. Deductibles are a good way to save money. Check with your insurance company and find out what effect raising and lowering your deductibles does to your policy. Remember to never take a deductible that is more than you are willing or able to pay in the event of a claim. Your insurance company will not divvy up their share until you do. Age is also a determining factor. Studies have shown that younger drivers are involved in more accidents then older drivers. « Previous Page « » Discuss it » Continue Reading »
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