Car Insurance Rate Quotes

Insurance companies are like fortune tellers and will look at whatever they think is relevant to predicting accidents in your future. Who you are, what you drive and where you drive are the major things they examine. A 50 year old school teacher will get lower car insurance rate quotes than a 19 year old drummer in a rock band. But even if your age or profession is working against you, often you can negate or reduce the effect by getting a discount from your insurer for taking a safe driving course.

The second thing that affects car insurance rate quotes is the type of car you drive. If it's high on the list of cars most often stolen or cars with the worst safety record then you'll pay higher rates. But you can reduce these negative effects by installing safety fixes or anti-theft devices. And since most accidents and thefts happen in the city, you may get a further discount by taking alternate transportation, such as carpooling, when in town.

The third major factor that determines car insurance rate quotes is where you live. People in rural areas pay less than in cities, because the accidents and thefts are less, lawsuits are fewer and the repair costs are lower. So if you live in a city, besides taking alternate transportation, just parking off the street could get you lower rates.