Standard Car Insurance Rates

Using the phrase standard car insurance rates can be a bit misleading since, really, there is no such thing. Your car insurance rates vary on a number of factors so it is impossible to lump a majority of the same rate into a group and call it standard car insurance rates. Regardless, the best way to find the most affordable auto insurance quotes is to look online using our free quote comparison service located here.
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Here are a few of the factors that go into determining exactly what kind of car insurance rates you receive:

* What state you live in – The term “standard car insurance rates” is void here because each state determines how much minimum insurance each driver on the road must have and how much insurance companies are allowed to charge for that coverage.
* How’s your driving record? – Generally, your insurance company contacts your state’s DMV every 6-12 months to check the current state of your driving record. Unpaid tickets and numerous moving violations will cause your car insurance rates to skyrocket.
* What vehicle you drive – Your rates depend greatly on the make and model of the vehicle you drive. Flashy sports cars and other luxury automobiles will yield high insurance rates because they are high risk. On the other hand, modest cars that perform well in safety tests will bring in more affordable rates.
* What coverage you opt for – Although every driver in the country must have a minimum amount of liability coverage in order to be street legal, many drivers opt for more extensive coverage such as comprehensive, collision, and uninsured or underinsured motorist coverage.
* Your insurance score – Most insurance companies calculate a score that sums up your credit, claims, and payment history. If you score well you receive more competitive rates and if you score low you will receive higher rates. There is no such thing as standard car insurance rates in the eyes of most insurance companies.

Also, remember to ask your auto insurance provider about any discounts you may be eligible for.
No Such Thing As Standard Car Insurance Rates

No matter how you look at it, car insurance rates are all over the board. Each person is different just like each person’s car insurance rates are different depending on the number of factors listed above. To learn more about what kind of car insurance rates you’re eligible for, go to our online forms and compare multiple quotes today and talk to an auto insurance agent about standard car insurance rates for you.