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What Auto Insurance Companies Look For When Awarding Good Rates
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As a customer, you've probably heard that the best way to find the best rate for auto insurance is to get quotes frequently, which is best done using auto insurance brokerage companies because they can compare numerous companies at once. Insurers want to give customers their best possible rate so that they can retain customers. Here are some things to think about to help you find the best rate and be the customer the insurance company wants to keep.

Drive Safely

Auto insurance companies in California are more likely to give you a good rate if your driving record stays clean. That means you drive safely and avoid accidents as well as violations. In fact, the longer you go without an accident or ticket, the higher your discount is likely to go. Other safety factors like whether or not you're a nonsmoker, what your occupation is, how many miles you drive a year, and more can help insurers determine how much of a risk you are. This is based simply on statistics that show the likelihood of each demographic being in an accident. Some insurers give you the opportunity to provide how safely you drive by using a monitor that tracks acceleration and braking habits.

Car You Drive

Insurance companies also consider the type of car you drive when determining your premium. You can research which types of vehicles cost less to insure so that when you purchase your next vehicle you can find one that will be more attractive to insurers.

How and When You Pay

Another thing insurance companies look for is how and when you pay your premiums. There's almost always a discount for paying your premium in full every six or twelve months rather than paying it monthly. Whether or not you choose this discount, be sure to pay the bill on time to avoid fees and dings on your credit score.

Credit Score

Along with paying your bill on time to keep your policy in effect and to avoid negatively impacting your credit score, consider other things you can do to boost your credit score. Auto insurance companies in California consider your credit score because they've found that there's a strong relationship between credit history and insurance claims. You should be monitoring your credit score for any changes and do things to improve it like keep revolving credit low, limit new inquiries, and pay all bills on time.

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