什么影响汽车pp王者电子官网费率?

你付一笔钱买汽车pp王者电子官网, your best friend pays another 和 your neighbor pays still another amount. 是什么让? Most insurance companies look at a number of key factors to calculate how much you'll end up 支付你的汽车pp王者电子官网.

Take a closer look at these factors that affect your car insurance premium to clear things up — some of them also come with bonus suggestions for keeping costs down.

影响汽车pp王者电子官网费率的因素

你的pp王者电子官网和免赔额

当你 选择你的汽车pp王者电子官网免赔额 pp王者电子官网范围，具体细节会影响你的月供.

• Generally, choosing a higher deductible means a lower monthly payment.
• 选择较低的免赔额意味着较高的月供.

Any additional coverage you add typically gives you added insurance protection, 取决于索赔, 但也会增加你每月的开销.

One way to lower insurance costs is to review your policy with your insurance agent 和 eliminate any coverage you may not need, 比如对旧车的全面pp王者电子官网, 发还租金或 紧急路边服务.

你开什么车?

汽车pp王者电子官网公司经常发展 车辆安全等级 by collecting a large amount of data from customer claims 和 analyzing industry safety reports. 他们可能会提供 给汽车客户的折扣 谁驾驶更安全的车辆. 相反的情况也适用于不太安全的交通工具.

• 一些pp王者电子官网公司会为容易受损的汽车增加保费, 乘员受伤或盗窃, 和 they lower rates for those that fare better than the norm on those measures.
• Driving 车辆s that rate highly in terms of driver 和 passenger protection may mean 储蓄 on insurance.

所以，在你去经销商之前，做一些 研究一下你想买的车. Does the 车辆 that has caught your eye have strong safety ratings? 这个特定的模型经常被偷吗? Knowing the answers to a few simple questions can go a long way toward keeping your rates low.

你多久开一次车，开多远

People who use their car for business 和 drive more miles in a year pay more than those who drive less. 你一年开的英里数越多, the higher the chances of a collision — regardless of how safe a driver you are.

• To help offset how much you drive, consider joining a car or van pool, 骑自行车 或者乘坐公共交通工具去上班. 如果你开车的里程越少，pp王者电子官网费率就越低.
• 向你的pp王者电子官网公司查询一下少开车的折扣. 基于使用的汽车pp王者电子官网 开车安全 & 保存™ by 状态 Farm® provides a personalized 折扣 based on how the 车辆 is driven 和 the miles driven by using 远程信息处理信息 从你的汽车或智能手机.¹

你住在哪里

一般来说，由于破坏公物的比率较高， 盗窃 和 碰撞, urban drivers pay more for car insurance than those in small towns or rural areas.

你的驾驶记录

Drivers who cause accidents generally pay more than those who have gone 无事故 for several years. If you've been 无事故 for a long period of time, don't get complacent. 保持谨慎并保持你的 良好的驾驶习惯. If you are insured 和 无事故 for 3 years, you may qualify for a 状态 Farm 无事故 储蓄.

即使你不能重写你的驾驶记录, having an accident on your record can be an important reminder to always drive with caution 和 care. As time goes on, the effect of past accidents on your premiums will decrease.

你的信用记录

某些 信用信息 能预测未来的pp王者电子官网索赔吗. 在适用情况下, many insurance companies use credit history to help determine the cost of car insurance. 保持良好信用 可能会对你的汽车pp王者电子官网费用产生积极的影响.

您的年龄、性别和婚姻状况

事故发生率通常更高 25岁以下司机尤其是单身男性. 大多数州的汽车pp王者电子官网价格反映了这些差异. 如果你是学生，你可能会排队 折扣. Most car insurers provide 折扣s to student drivers who maintain good grades.

有什么方法可以帮助降低汽车pp王者电子官网费?

• 放弃不必要的pp王者电子官网; 增加免赔额 or 减少覆盖范围 可能有助于降低pp王者电子官网费用. 你的pp王者电子官网代理人可以分享这些选择的利弊.
• In some states, younger drivers are also able to take driver safety courses like 避开® 可以降低你的保费. 总的来说，它没有伤害-而且可能很有帮助.
• You can also check with your insurance company to see if they have a telematics program, like 开车安全 & 保存™ 来自州立农场.¹ These usage-based car insurance programs record how you drive 和 the miles you drive. The safer a driver you are, the more you may lower your car insurance.
• 其他 典型的折扣 包括好学生， 孩子们在大学期间不再开车, 多车pp王者电子官网, 安装防盗装置, 参加防范性驾驶课程，实现无事故驾驶. 去找当地的代理商 查看完整的折扣列表.
• Using one insurance company for multiple insurance policies can lower your total costs. Combining the purchase of an auto policy with the purchase of a home policy有时被称为捆绑销售，可以为你省钱.
• 最后，和往常一样，这是个好主意 和你的州立农场代理谈谈 什么政策最适合你和你的情况.