Cheap Car Insurance: Factors that Affect Your Car Insurance Rates廉价的汽车保险：因素影响你的汽车保险费率

Article source: http://www.insurance.com/ . 文章来源： http://www.insurance.com/ 。 Used with author's permission. 用作者的许可。

When it comes to auto insurance rates, who you are determines what you pay.当谈到汽车保险利率，你是谁决定你工资。 Automobile insurance premiums are based on a large number of factors, some of which you can control, and some of which, alas, are incontrovertible facts of life.汽车保险费是基于大量的因素，其中有些因素可以管制，其中有些可惜，是无可辩驳的事实的生活。 Statistically, a sixteen-year old boy with a 300 horsepower sports car in a big city is far more likely to hit something than a 35 year-old married guy driving a minivan around the suburbs.根据统计，一个16岁男孩与300马力的跑车在一个大城市更为可能击中了一名35多岁的已婚的人驾驶的面包车在郊区。

While you can't change your age and some other factors, there are things that you can do to keep insurance premiums as low as possible.虽然你不能改变你的年龄和其他一些因素，有些事情你可以随时保险费尽可能低的水平。

Factors you CAN'T change that impact your auto insurance rates: 因素你不能改变，影响您的汽车保险率：

Your age 您的年龄

Dick Clark and Sophia Loren notwithstanding, aging is unavoidable.切尼克拉克和苏菲亚罗兰尽管如此，衰老是不可避免的。 And while you may be a mature-looking teen or a youthful octogenarian, the oldest and the youngest drivers are far more likely to have accidents.而你可能是一个成熟前瞻性青少年或年轻八十，最古老和最年轻的车手远远更可能有意外发生。

Gender 性别

Whether it's the mothering instinct or fewer NASCAR fantasies, women statistically make safer drivers.无论是对母性的本能或更少的纳斯卡幻想，使妇女的统计安全驱动程序。

Marital Status 婚姻状况

Ok, you can change this, but there have been no reports of people marrying simply to lower their insurance rates.好吧，你可以改变这一点，但还没有报告的人结婚仅仅是为了降低其保险费率。

Factors you CAN change that impact your auto insurance rates: 因素，您可以改变这种影响您的汽车保险率：

Geography 地理

Where you live matters.For instance, those living in rural America are far less likely to have a collision or a stolen car than those living in a city.如果你住matters.For例如，那些生活在农村远远美国不太可能有碰撞或偷来的车比那些生活在一个城市。 But, sometimes even just moving across the street can change your rate.但是，有时甚至是刚刚跨过街道可以更改您的利率。

Driving violations 驾驶行为

Speeding tickets, running red lights, failure to yield, etc. all count toward your auto insurance rate.加快门票，运行红灯，没有产量，伯爵等所有对您的汽车保险率。

Your vehicle 您的车

If you must have that cherry red Corvette or the Ferrari Testarossa, be prepared to pay for it.如果你必须是樱桃红的Corvette或法拉利特斯坦罗萨，准备付出代价。 Your insurance premiums will be higher.您的保险费将会更高。

Accident claims 事故索赔

While you can't change the past, keeping your slate clean and free of accidents will hold you in better stead than lots of fender benders.虽然你不能改变过去，使您的石板干净，无意外将您更好地而起的比很多挡泥板benders 。

Credit rating 信用评级

That's right — many insurance companies view having a poor, or even no credit history as suggestive of higher risk.这就是正确的-许多保险公司认为有一个穷人，甚至没有信用记录作为暗示较高的风险。

Occupation 职业

A little easier said than done.有一点说起来容易做起来难。 Believe it or not, insurers have found correlation between your occupation and risk.相信与否，保险公司之间的相互关系发现您的占领和风险。 Makes sense that the pizza delivery guy could be a higher risk!有意义的比萨饼交付家伙可能是一个高风险！

Other factors that go into determining premiums: 其他因素的影响，进入确定保险费：

Miles driven per year迈尔斯每年驱动

Distance to work远程工作

Occupation职业

Years of driving experience多年的驾驶经验

Business use of the vehicle商业使用的车辆

Whether or not you currently have auto insurance您是否目前有汽车保险

Theft protection devices (often results in discounts)防盗保护装置（结果往往折扣）

Multiple cars and drivers (another opportunity for discounts)多辆赛车和车手（另一次机会，折扣）

Overwhelmed? 不堪重负？

It can be more than a bit confusing when trying to decide the best and most affordable coverage for your vehicle.它可以多有点困惑时，试图以决定最佳和最负担得起的覆盖面为您的车辆。 Like anything else, get good advice and comparison shop.如同其他事物，获得很好的意见和比较店。 With the Web at your fingers, you have all the information and power to get the best deal.随着网络在你的手指，你的所有信息和权力得到最好的交易。

Please note that this description/explanation is intended only as a guideline.请注意，这说明/解释只是作为一项准则。

For more information about auto insurance please go to: Insurance.com如需更多关于汽车保险，请访问： Insurance.com

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