5 Factors That Impact Your Car Insurance Rates

By J Thaker

When you're buying Iowa car insurance there are a lot of things that can impact what your car insurance rates will be. Since there are a lot of factors that could impact the rate that you end up paying for auto insurance it's always a smart idea to get quotes from at least three insurance companies to see which companies will give you the best deal. Each insurance company decided your policy cost individually based on certain factors. Five of the most common factors that could influence your Iowa car insurance rates are:

1. Your driving record - If you have a lot of tickets or accidents you will have to pay a higher car insurance rate. There's really no way around that. But if you want to make sure that you are paying the lowest rate possible for your Iowa car insurance make sure that any old tickets or accidents have been removed from your record.


2. The amount you drive - If you work from home or are a stay at home parent and only drive your car for errands or other short trips your car insurance rate will be a lot lower than it would be if you commute 50 miles to work each day or travel a lot for work in your own car.If you can minimize the amount that you drive you will save money on your Iowa car insurance.


3. Your deductible - If you choose a low deductible for your Iowa auto insurance policy then you will have a higher premium cost than you would have if you picked a higher deductible. To pay less for your policy overall always choose a higher deductible, but make sure it's not higher than you could easily afford.


4. The type of vehicle you have - The more expensive your car is the more you will pay for auto insurance. Also if you have a car that is typically at a high risk of theft you will have to pay higher premium rates


5. Where you keep your vehicle. If your vehicle is kept every night in a locked garage with an alarm your vehicle will be at a much lower risk of theft than a vehicle left in an unattended parking lot or parked on the street at night. Because the risk is lower for a garage kept vehicle you can get a lower Iowa auto insurance rate if you keep your car in a garage at night.

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