
The factors that are used to determine premium are usually based on a driver’s personal statistics. One should take the time to understand their situation so they may be able to take advantage of the many ways that they can save money on their policies. The most common factors that are weighed by providers are items such as a person’s driving record, type of vehicle that they drive ( year, make, model ), driver’s ages, where the automobile will be garaged, marital status, and experience. If a younger driver is being charged more for lack of experience, there are some insurers that will offer them a discount for taking a safe driving class, as well as offer a savings for being a good student (usually by maintaining a “B” average). When shopping, these items should definitely be addressed. Good driver discounts are also available for those who have maintain a clean driving record. Annual mileage also plays a factor, since the less a person drives, the less likely they will be involved in an incident. If an individual knows that there is no way that they will operate there vehicles extensively, then there is no reason to pay for that protection. These questions should be asked when applying, and a good agent will guide them in the right direction to finding cheaper providers.