Service, Parts, or Financing Car Insurance Near Gendale, AZ

Service, Parts, or Financing Car Insurance from The Collision Kings

There are several things that can impact how much you pay for car insurance. If you wonder how car insurance premiums are determined near Glendale, AZ, read on as we look at some things that impact what you pay. And, if you’re looking for an auto body repair shop near you, give us a call at Collision Kings of El Mirage today. Our Auto body repair shop is near Glendale, AZ, and we’ve delighted customers from all over the surrounding areas.

How Car Insurance Premiums are Determined near Glendale, AZ Car Insurance – What Are You Like?

One of the things the insurance companies consider when developing their premium prices is the person they are insuring. In general, they figure someone who has shown they are responsible in other areas of their life are going to be less expensive for them to insure. Things like your age, marital status, and where you live can cause you to pay more or less. Even something like your credit score can influence your premiums as the insurance companies figure if you have a good credit score, you’ll be a safer driver. Even being a parent can impact what you pay.

How are Car Insurance Premiums Determined near Glendale, AZ Car Insurance – What’s Your Record?

Probably the single most crucial factor insurance companies consider there is your driving record. If you have an extensive history of accidents or moving violations, the insurance company will likely charge you more. I’m sure most of us have experienced the misfortune of being in some kind of accident and then saw our premiums rise the next month. Even a speeding ticket can make a difference. So, if you want your premiums to be as low as possible, it pays to drive defensively and follow the speed limit. But, it’s worth checking with your insurance as some companies will offer accident forgiveness or reduce your premiums after an extended period of time with no incidents.

How are Car Insurance Premiums Determined near Glendale, AZ Car Insurance – What’s Your Vehicle?

Finally, the car you drive also plays a big part in your insurance premiums. In general, the more expensive your car is to purchase, the more expensive it is to insure. And it makes sense. A fancy luxury sedan will likely be built with parts that cost more to manufacture than the parts on a simple economy car. So, if the luxury sedan is in a collision and needs repairs, the parts, often the labor, are more expensive. If you drive something very old or very rare, the same principle applies. Parts will be harder to come by and more expensive to purchase. The vehicle’s intended use can be a factor, too, with something like a sports car likely to have higher premiums than a minivan as it’s more likely to be involved in riskier driving behavior.