Why safer cars aren’t always less expensive to insure
You'd think that safer cars would mean lower 汽车pp王者电子官网 成本，但作为报告 美国国家公共电台 advanced safety features that reduce crash risk can actually drive premiums up.
Safety features like autonomous braking and lane departure warning in newer cars can reduce the number and severity of injuries, but they also make vehicles more expensive to repair when accidents happen. 外部的镜子, fenders and bumpers house sensors that help to avoid crashes and may carry higher repair costs than their conventional counterparts.
如何开车
驾驶记录
T在这里 are plenty of reasons to drive safely, but saving money is an especially good one. If you've had speeding tickets or accidents within the past few years, your 汽车pp王者电子官网 rate will be higher than if you had a spotless driving record. 安全驾驶是有回报的.
推动活动
A policyholder who drives only a few miles a week will likely pay less for 汽车pp王者电子官网 than one who drives longer distances.
你的车
安全等级
Some vehicles are safer and cost less to repair than others. pp王者电子官网 companies collect data about each make and model and use it to determine how much to charge its customers.
车辆的大小
In an accident, larger vehicles tend to fare better – and keep occupants safer – than smaller ones.
防盗设备
如果你的车有报警器, a tracking device to help police recover it, 或者另一种防盗手段, 对小偷来说不那么有吸引力, pp王者电子官网也更便宜, 太.
你是谁
你住在哪里
If you live in an area with above average traffic, your 汽车pp王者电子官网 rate could be higher than if you lived in an area with less traffic congestion.
年龄、性别和婚姻状况
Drivers between the ages of 25 and 65 tend to have fewer accidents than those who are younger or older. In addition, studies show that certain individuals have fewer accidents.
信用记录
Studies show a connection between credit characteristics and insurance claims, so many insurance companies use "Credit-Based pp王者电子官网 Scores" to help determine rates (not applicable w在这里 prohibited by law).
你的政策选择
覆盖选项
Some insurance is required by law in most states. 剩下的就看你了. 你的pp王者电子官网选择及 报道 amounts have a major impact on how much you'll pay. 这还不是全部. 您的年行驶里程, 驾驶记录的变化, 婚姻状况, 你的年龄, and/or moving to a different neighborhood can cause you to pay more for 汽车pp王者电子官网.
免赔额
A deductible is the amount you pay before your insurance company covers you. You can lower your 汽车pp王者电子官网 rates by setting a higher deductible, but you'll pay more out-of-pocket when you make a claim.
Discounts and other potential savings
Check with a 国营农场® agent to find out if you’re eligible for one of the 很多的折扣 or other potential savings 国营农场 offers to help you save money on 汽车pp王者电子官网.
Got more questions about vehicle insurance?
Browse numerous articles from Simple Insights® on tips from what we’ve learned in the nearly 100 years we’ve been insuring drivers like yourself.
Critical driving errors may end up draining your bank account & 空闲时间. States vary in how they punish violations and it’s helpful to know what’s at stake.
Know how to handle vehicle safety recalls.
免责声明
Customers may always choose to purchase only one policy, but the discount for two or more purchases of different lines of insurance will not then apply. Savings, discount names, percentages, availability and eligibility may vary by state.
Rates, rating factors, and 报道s vary by state.