Critical Factors That Determine Your Monthly Premium Rates in Sun City West

The state’s driving laws require you to have current auto insurance on your vehicle. You cannot legally get behind the wheel of a car and drive if you are not insured.

When you are in the market for a new car insurance policy, you wonder what factors will go into determining how much you will pay for it each month. After you contact an auto insurance agency in Sun City West, AZ, brokers will use these criteria to determine the rate of your monthly premium.

Prior Driving History

When you reach out to an auto insurance agency in Sun City West, AZ, insurers will first consider your prior driving history. If you are a new driver with no driving history at all, your premiums could be slightly higher than average. These increased rates take into account your liability factors because you are not yet experienced in driving in the local traffic.

Likewise, if you have numerous tickets or driving infractions on your record, your rates also will be higher. The insurer will consider you to be a higher than average risk for which it could have to pay out for accidents, fines, and other incident-related costs.

Age

Your age will also be a factor in determining your monthly premiums. As a general rule, insurers typically charge higher rates for teenagers and senior citizen drivers. Drivers in these age categories have slower reflexes and statistically make worse driving decisions than people in other age categories.

If you are under the age of 21 or over the age of 65, you could expect to pay higher rates for your insurance. Your rates could go down, however, if you avoid getting tickets or in traffic accidents.

You can find out more about insurance rates online.

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