An Individual Driver Rating System Can Significantly Lower The Cost Of Your Texas Car Insurance

Texas car insurance can range from basic liability to coverage that compensates for physical damage along with emergency towing and rental car assistance. The cost of a policy factors against a rating system based on both individual and community statistics that will determine your premiums.

These variables include both community rating formulas that determine risk in a certain portion of a city or county and individual driving and claims history that determines an individual’s level of risk as an insured driver. Often these two standards of ratings come into conflict, causing an individual who is relatively low-risk to receive higher premiums based upon the general risk rating of his or her community.

If there a high number of accidents occur within in a particular city or region in Texas, car insurance rates for everyone will be proportionally higher in response to the greater likelihood of collision. Because Texas car insurance carriers often rely exclusively upon community ratings to determine premium costs, many customers feel that they are paying for other people’s mistakes while their own driving record goes ignored.

Perhaps the greatest benefit an insurance agency can offer to anyone is the opportunity to obtain an individual rating that will lower cost without compromising the level of coverage.

This is by no means intended to say that such agencies are more “fair” than other organizations that rely more upon community statistics. Insurance from any agency or company is always offered with the best of intentions, so it is not a matter of someone being fair versus unfair, but rather a matter of time and sufficient manpower. Some Texas car insurance carriers simply do not have a staff that is large enough to offer calculated, safe driving discounts for individuals with outstanding driving history. Due to these limitations, they are forced by their own constraints to rely exclusively upon the community rating system to determine an individual’s premium rates.

This of course gets passed on to the customer in the form of higher prices. Choosing to obtain car insurance in Texas from one of these carriers will normally result in a premium cost reflective of the community, not the individual.

When, on the other, hand, a provider can locate a carrier that can also factor individual safety, claims history, and even certain elements of personal excellence into the rating system, things change. The cost of insurance may go down significantly if a provider can prove to the insurance carrier that a particular person, company, or family deserves a less expensive policy based on individual considerations.

Making the rating system work for Texas car insurance customers involves taking a careful look at ways we can meet each individual driver’s needs. There are a number of safe driving discounts available for individuals living in high-risk areas. In most instances, there is always a possibility of lowering insurance costs for young drivers, senior drivers, sports car drivers, artisan contractors in need of commercial Texas car insurance, and drivers with accident-free histories. When an agency takes the time to offer each customer an in-depth, personal consultation that will all the relevant facts can be gathered and consolidated into a more favorable, individual rating.

Before opting for coverage based on price alone, consider the benefits of affordable coverage determined by your individual needs and personal qualifications. Texas car insurance does not have to be a cold, generic industry of ratings and high premiums.

Try to Compare Each and Every Hybrid Car with One Another Before Choosing

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Source: Flickr

For the past five to four years, there have been much ado about Hybrid Cars and the many benefits they could offer. Their popularity has been compounded by the ever surging gas prices and the concern for the environment. It seems that Hybrid Cars are the solution to both. When you use a Hybrid car, you contribute less to the thickening air pollution, plus you save a lot of money since they require less fuel, plus there are numerous tax credits being given by many states.

For these reasons, hybrid cars have experienced a sharp increase in sales and more car manufacturers are joining the hybrid vehicle arena with their own versions. For those who are planning to buy a hybrid car, the choices are numerous, that’s why you have to compare hybrid cars with one another to see which one would go perfectly well with your needs.

Two of the top hybrid car manufacturers are the Japanese giant’s Toyota and Honda. They are credited with producing many innovations in the hybrid technology and their hybrid cars are the most acclaimed, most sought after and most awarded hybrid vehicles today.

Here we will compare the hybrid cars they are offering for 2007, these will include the Honda Accord Hybrid, Honda Civic Hybrid, Lexus GS 450H, Toyota Camry Hybrid and the Toyota Prius.

Their fuel efficiency can be compared through their average consumption per mile in different situations, like; City Driving – where the traffic is constantly stopping, Highway Driving – where the engine can freely operate at maximum level and their combined average usage.

Miles Per Gallon – Average Miles Used Per gasoline of Fuel

· Honda Accord Hybrid – 28 MPG (city), 35 MPG (Highway) and 31 MPG (Combined Average)

· Honda Civic – 49 MPG (city), 51 MPG (Highway) and 50 MPG (Combined Average)

· Lexus GS 450H – 25 MPG (city), 28 MPG (Highway) and 26 MPG (Combined Average)

· Toyota Camry Hybrid – 40 MPG (city), 38 MPG (Highway) and 39 MPG (Combined Average)

· Toyota Prius – 60 MPG (city), 51 MPG (Highway) and 55 MPG (Combined Average)

But before you just pick out the one with the highest MPG average, you still have to consider and compare a couple of aspects as well. This includes the fuel type. All of these vehicles use regular gasoline except for the Lexus which uses Premium Gasoline that is pricier.

Then you also have to compare the size class of each hybrid car and their engine size and liters. The Accord Hybrid is a midsize car with a 3 liter – 6 cylinder engine. The Civic Hybrid is a compact car with a 1.3 liter – 4 cylinder engine. The Lexus is another compact car with a 3.5 liter – 6 cylinder engine. The Camry Hybrid is a midsize sedan equipped with a 2.4 liter – 4 cylinder engine and the Toyota Prius is a compact car with a 1.5 liter – 4 cylinder engine. The more powerful the engine is, the more fuel will be consumed.

Considering this aspects and others is needed when comparing hybrid cars. You have to put considerations to see why there are differences. So before purchasing a hybrid car, compare first and do your research. Find one that would suit your needs and your personality best to get the perfect hybrid car for you.

Travel Tips to European Countries: Austria

About the Country

Located in central Europe, Austria celebrates world’s best music festivals like the Salzburg Festival, Haydn Festival in Vienna, and the International Chamber Music Festival. Vienna is the capital of Austria as well as the musical capital of Europe. Music and art are in full flare here after centuries of hardship and innovation. That explains Vienna being the birthplace of Mozart. Horse dances are also part of these festivals. Since it snows in winter, the snow covered Alps is a must be visited place during the winter. Austria experiences a moderate summer. Rains can be expected year round. Incase of emergency call 120 or 123.

Site seeing

The romantic castles simply leave you astounded. The Schloss Durnstein provides a magnificent view besides the River Danube. A 10% tip should be paid to the taxi drivers, which is customary here.

Culture

German, Hungarian, Slovene, and Croatian are the languages spoken by the locals. To greet the locals, a handshake will do. When meeting someone for the first time, its better to refer them by their last name, but once better known they can be addressed by the first name. When out in the public, say Guten Tag or Gruss Gott to greet people and while leaving say Auf Wiedersehen. Carry along flowers when going over to someone’s house. The locals here have a passion for horse riding. The world’s best art of horsemanship can be found here which is as old as 400 years and to watch the horses perform at these schools; tickets must be booked in advance. Although service charge is levied on restaurant bills, an extra 5% should be paid as tip.

Getting there

Three national airlines operate in Austria, Austrian Arrows, Austrian Airlines and Lausda Air, which work in collaboration with the Austrian Airlines Group. The Vienna airport is 18 km away from the city. Airport buses transport passengers to the South Train and West Train Station. Railway, chauffeur-driven car and taxi service is also provided at the airport. Duty free shops, post office, bank, eateries, left luggage, tourism information, conference hall, nursery, car hiring and car parking facilities are provided to the passengers at the airport.
Salzburg airport is 4 km away from the city and buses, trains, taxis and hotel coach shuttle passengers to and from the airport.
Facilities such as duty free shops, post office, currency exchange, left luggage, conference hall, restaurants and car hire exist at the airport. Check out the other airports such as Klagenfurt airport, Graz airport and Linz airport for more details. All the airports charge a fixed rate for porter service.

International tourists can get to Austria by Austrian Federal railways, if planning to travel by train. It has a large network which connects the major cities within Austria and also outside Austria. Travelers can find connections to/from Germany, Russia, Greece, Romania, Turkey Brussels, Paris and Italy. International rail passes or Eurail pass can be bought to travel around Austria as they provide unlimited travel and other offers too.

A good network of roads here provides an interesting journey. Take Eurotunnel when crossing the Channel Tunnel while traveling by car. Bookings should be made in advance. The cars can be hired at the airports and railway stations and if driving own car carry documentations like UK driving license or national driving license and car registration papers. Toll booths are installed on the motorways and ‘S’ roads, so if change is carried in advance it will ensure no delays in the journey. Registration documents should be carried along all the time while driving. The lights should be turned on while driving, in the city or outside, all the time. There are strict laws for seat belts and drinking while driving. If using the motorbike, high visibility jacket and helmet must be worn, it’s a compulsion for both the passenger and the driver. Many federal, private companies and local authorities provide bus service. Coaches are provided for moving around within the cities.

Wurm and Kock provide cruise passenger service. Along with the cruise trip, packages include stay at a hotel. Check out, before hand, for offer. There are many Ferry service providers too.

Duty Free Items

1. 200 cigarettes or 100 cigarillos or 50 cigars or 250g tobacco or a proportional mix of these products
2. 1l of spirits over 22 per cent or 2l of fortified wine or spirits up to 22 per cent or 2l of sparkling wine or liqueur and 2l of still wine
3. 500g of coffee or 200g of extracts, essences or concentrates of coffee, and 100g of tea or 40g of tea extracts
4. medicinal products sufficient for the journey
5. 50g of perfume or eau de toilette
6. All the above mentioned goods should be carried by a person over 17 years of age.

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Top 10 tips to save money on your car insurance


If you’re fed up paying too much for your car insurance duck2water (www.duck2watercarinsurance.co.uk) have put together the top ten ways you can reduce your premium without reducing the level of cover:

1.Buy online
Buying online can save you time and money. Companies who spend millions of pounds on advertising or run large call centres have to cover these costs somewhere, and they do so by adding these costs onto the price of your insurance premium. Although online insurers do have overheads, they are much less than high street and telephone insurers, which means they can offer car insurance at up to 60% cheaper than other companies.

2.Drive a cheap and less powerful car
Car insurance companies calculate their premiums on the basis of the car engine size, the probability that it will get stolen and the cost of repairing it. Although smaller cars such as Ford Fiesta’s and Renault 5’s are more prone to being stolen than larger saloon cars, they are cheaper to repair or replace and are therefore cheaper to insure.

3.Build up a ‘no claims history’
Car insurance companies give discounts for safe drivers with a good no claims record. By building up your no claims history you can benefit from a reduction (up to 60%) off your premium, and this discount can be transferred from company to company.

4.Increase your car security
More security means lower risk for your insurance company and you can benefit from cheaper rates by locking your car in a garage a night, or installing an insurance company approved immobiliser or tracker.

5.Increase your voluntary excess
By deciding to pay a higher excess it also means you’re less likely to make a small claim on your insurance and are therefore considered a lower risk.

6.Obtain more driving qualifications
The Pass Plus qualification costs between £100-150 and involves taking lessons in different driving conditions such as at night and on the motorway. By becoming a more skilled and experienced driver most insurance companies reward their customers by reducing their premium. As a result, the qualification usually pays for itself within the first year of qualifying. Another option is the advanced driving test, but this can take much more time to pass than the Pass Plus.

7.Use your car less
Clearly, the more you use your car the higher the probability is that you’ll be involved in an accident. As a result people who travel hundreds of miles every week are likely to have a higher car insurance premium.

8.Don’t get on the wrong side of the law
Insurance companies don’t like motoring convictions as they mean a driver is seen as a higher risk. Certain motoring convictions are considered worse than others, for example drink driving offences mean that your premium will be double the usual rate.

9.Reduce the number of people under your policy
The more people on your insurance the more you’ll have to pay. So, if possible try to have as few drivers on your policy as feasible.

10.Live in the countryside
As a general rule, the further you live away from a city the cheaper your car insurance is likely to be. By living in the city your car is more likely to be stolen or be involved in car accident. You can save up to 50% on your car insurance by moving from the city to a rural location.

Travel Tips to European Countries: Luxembourg

About the country

One of the Europe’s smallest sovereign states is The Grand Duchy of Luxembourg. The north part of the country is blessed with greenery and hills. The Ardennes provides great scenic view. The country is small and all the tourist attractions are within reachable limits. It snows during the winters in Luxembourg, but isn’t as cold as its neighboring countries and the summer is warm which comes in May and lasts till September. Incase of emergency dial 112 or 113.

Culture

Generally handshake is used to greet people. Although majority of the locals speak English, Letzeburgesch is the national language of Luxembourg. French and German is also spoken by many Luxembourgers. When appearing as a guest at someone’s house, it is a good practice to bring along gift or flowers. People are expected to dress in smart casuals, but it would be best to turn up in formals when attending social functions, or clubs. It’s not advised to smoke in public places.

Shopping

Crystals and porcelains of Villeroy and Boch are very famous and the earthenware pottery from Nospelt is a shopper’s must have item from Luxembourg. VAT of 15% is applied to all items purchased other than that from campground, hotel, and restaurant, which charge 3%. Tipping is exempted.

Site Seeing

The capital, Luxembourg is a place to be. Stay for a day or tea to explore the city. Village of Viaden has a cliff top castle which is a famous landmark.

Taxis can be hired to move around the city. They charge 10% extra from 10 pm to 6 am and if hired on Sunday, an extra 25% extra will be charged if hired for the whole day.
Accommodations

Luxembourg has many luxurious hotels, most of which are located in Lux City. Other options are guesthouses which are beautifully decorated with flower and plants.

Travel

The national airline which operates here is Luxair. There are flights from London to Luxembourg every hour. The Luxembourg airport is at a distance of 5km from the city and it takes about 20 minutes to reach there. There are provisions such as duty free shops, bank, tourism information and car hire for the passengers.
Eurostar provides a fast railway service from London, Paris, Belgium, France or Brussels to Luxembourg. Bookings can be made via telephone and £5 fee is charged for telephonic booking. Check out for offers which are provided on some of the routes. To travel within the country, Inter-Rail pass can be bought which gives the offer of unlimited train travel for 29 countries of Europe.

When driving on road, it is recommended to take the train or ferry service when passing the channel between Dover and Calais. Check out for vacancy before hand especially during the rush hours. While driving, drivers should stay on the right side and there are strict rules for drinking while driving and seat belt.

Duty Free Items

1. 200 cigarettes or 100 cigarillos or 50 cigars or 250g of tobacco
2. 1liter of spirits or 2liter of sparkling wine or 2liter of liqueur wine and 2liter of non-sparkling wine
3. 50g of perfume and 250ml of eau de toilette
4. 500g of coffee and 200g of coffee extract
5. 100g of tea and 40g of tea extract
6. Tobacco and Alcohol can be carried by visitors over 17 years of age only.

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The Wind Inspires it All: The Driving Force Behind Chicago Fashion Schools

You would not believe your eyes if ten million fireflies
Source: Flickr


Chicago, the “windy city” is known for its multicultural population as well as its dramatic architecture and love for the arts.

In detail, Chicago has:

1. at least 3 million people
2. harbors, parks, beaches, clubs, and ethnic restaurants
3. 29 miles of lakefront, museums, neighborhood festivals, and cultural attractions

People visit the city as often as winds do. Also, tourists favor the mid-western hospitality of the people. They also share stories of their enjoyment in going to exhibits in museums like Degas, Monet, and the whimsical “Cows on Parade” of Summer 1999.

The businesses blended with the multicultural aspects of the city are said to be the driving “winds” that spur creativity among people who visit or study in Chicago. As always, it is inevitable to have fashion schools within a city that celebrate and support the arts and dynamism of culture.

The following are some featured fashion design schools in Illinois:

1. The International Academy of Design and Technology is located in Chicago.

The institute offers the following degree programs:

• Bachelor of Fine Arts, Major in Fashion Design and Marketing
• Associate of Applied Science in Fashion Design and Marketing

The curriculum of Fashion and Design assimilates the study of new trends and innovations in the thriving international industry of fashion with the mastery of traditional skills, thus providing a holistic background to both fashion amateurs and masters alike when it comes to designing.

• Bachelor of Arts, Major in Merchandising Management
• Associate of Applied Science in Merchandising Management

The program of Merchandising Management provides students and professionals as well as with the opportunity to contend within the job market by integrating theoretical concepts with practical implementations. However, students can rest assured that after graduation their skills on developing suitable visual displays, and utilizing appropriate business practices and scales are honed to help them achieve profitability in the long run.

2. The Illinois Institute of Art is primarily situated in Schaumburg. The degree programs they offer vary by location.

The Illinois Institute of Art is, basically, an association of schools in different locations. Collectively, the Art Institute is considered as a leader in the area of applied science education.

Their courses such as Fashion Marketing and Fashion Design are restructured on a regular basis to reveal ideas garnered from industry advisors, leaders, and employers for relevance and practical applications in the marketplace.

The Art Institute also possesses seasoned faculty members who are also affiliated to the local community of functions. Thus, this provides students with plenty of occasions for consultation with industry professionals and practicing designers. As students’ knowledge and skills improve through the programs, they are required to plan an initial design and execute it into a finished product to cap their stay in the institution.

3. International Academy of Design and Technology

The school has campuses in Chicago, Los Angeles, and Orlando. They provide program areas and a variety of degree levels designed to fit your unique career track. In detail, they offer:

• Diploma in Fashion Design
• Diploma in Merchandising and Fashion Marketing

These are only three among the plenty list of schools in this city. The decision now lies in your hand. Within the “windy city” are competitions and strict trainings from various places in the job arena. Where do you think the “will of the wind inside you” will bring you and your high hopes of hitting it big in the fashion industry?

Cheap Auto Insurance Online For Your Teen

So, you have a teen that is at the driving age. Choosing the right auto, the right insurance and the factors that determine price, is the purpose of this article.

Choosing the right auto is very important to getting cheap insurance. That flashy, red, convertible sports car really looks great, but the insurance for it with a teen driver?… ouch!! Find out what your teen can live with other than this and do your insurance shopping with that model in mind.

Some of the factors that enter into price is:

1. Where do you live? In the city, a suburban area or in a rural setting? The rural area will be the lowest rate with the city being greater.

2. How many miles per year will the vehicle be driven and how many miles to work, school or college.

3. The model and age of the vehicle and it’s safety record. Sometimes an anti-theft device will lower the rate.

4. The deductable amount and the coverage amount, these vary according to area and what the laws are in your state. The more out of pocket you can afford on the deductable the lower your rate will be.

5. Your teens grades at school is also a determining factor. The higher the grades the lower the rate. Makes sense right?

6. Did your teen take drivers ed? Also a factor.

Make sure that your teen knows the importance of a safe driving record, no tickets, no accidents. Over time, a teen with a safe driving record will have their insurance rates reduced. Instill a sense of responsibility in your teen for their freedom to drive.

Some insurance companies offer a policy for just the teen driver. This way they aren’t added to the families policy. This can be a lower rate. There may be some restrictions, such as no driving after dark or others.

Use your favorite search engines to find insurance companies that have the lowest rates for these factors. By shopping online you have a lot of companies to choose from, and it is quicker than the yellow pages.

Keep all of these things in mind when shopping. Insurance rates vary widely, so take your time when doing your research. Another way to search for a good insurance company is to ask around at garages and body shops. Those guys deal with insurance companies every day.

I hope that these factors will help you in finding that company that will give you a good policy at the lowest possible price.

Driving Slow to Save Some Dough

You are not alone in your frustration over gas prices these days. Everyone who has to pull up to the gas station and fuel up their vehicle shakes their head when they see the price, after all. Along with the frustration over gas prices, many people feel helpless. What can you do to lower gas prices? It is not as if you can simply stop driving altogether to send a message about your feelings on gas prices! That may be true, but there are things you can do to reduce your spending on fuel.

While the price that you pay for gas per gallon may be well beyond your control, the amount of gas that you use is something that you can change. You can do this in a few ways, such as buying a more fuel efficient automobile, or staying home instead of driving around so much. However, for those who do not want to buy a new vehicle or who can not just stay at home indefinitely, what options are there? One of the simplest options, actually, is something that can be done quite easily. Simply put, you can slow down!

When many people think about slowing down their driving, they are primarily thinking about either avoiding speeding tickets or becoming safer drivers. While it is true that slowing down provides these two important benefits, you can also save quite a bit of gas by slowing down your speed, both in town and on the highway.

Too many people ride the accelerator as they drive in city situations. They speed up, even though a red light is ahead, or someone ahead of them is slowing down. If you can take your foot off the gas and coast a bit, you can save some gas and avoid having to quickly brake when you get to where you have to stop. This means you can conserve gas as well as your brakes! Who knows, you might be coasting when the light turns green, which means that instead of starting from a dead stop, you will start to accelerate with some momentum already built up. This also saves you gas.

Even more gas can be saved on the highway. While your driving style in city situations can raise or lower your gas mileage, it does not affect your fuel consumption as dramatically as does your speed on the highway. You can save a lot of gas by driving at 55 miles per hour instead of 75 miles per hour, for instance. How much? Estimates vary from as little as 20% to all the way up to 30%, but either way, that is a substantial amount of gas! When you figure in the cost of gas right now, it really does pay to slow down a bit on the freeway, interstate, or highway. Again, not only will you save on gas expenses, but you will also avoid traffic tickets when you drive at lower speeds.

It can be very difficult to slow down your speed when driving, especially if you are used to driving quite fast, or if you are impatient. Remember, if you are not running late for something important, you do not need to race to your destination! Doing so will only cost you gas, which costs you money.

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The best hybrid vehicles for the fuel-conscious driver


The demand and availability for hybrid cars has been growing steadily over the years because of the increasing concerns of motorists regarding the price increases of gas.
Major automobile manufacturers have come up with their respective versions of hybrid vehicles, and consumers have lots of considerations when purchasing these cars. Of course, price ranks among the most important of those concerns.

To help them decide on which cars to choose, here is a list of some of the best hybrid cars flooding the market today.

1. Toyota Prius

Considered by many as the top-rated hybrid among them all, because of the presence of a gasoline engine that provides assistance to the electric motor when operating. For slower speeds, it is the electric motor that runs the car, and when the speed acts up, the gas engine takes over the reins.

The mileage for the Prius is estimated at 60 mpg for city-driving speeds and 51 for the highway performance.

Reportedly, the Prius has more spacious interiors compared to its closest competitor, the Honda Civic hybrid, and they say that the Prius is also better mileage-wise. This bestseller from Toyota comes with a distinctive exterior that sets it apart from its fellow hybrids belonging to the economy-class.

2. Honda Civic Hybrid

This hybrid vehicle does not look different from its past models, and it does not stand apart from its competitors. Even though it is always the bridesmaid compared to the illustrious Prius, it has a reputation for higher speed operation, especially on highways.

The Civic also maintains the runner-up status with the Prius when it comes to fuel efficiency, with the Civic chalking up 26 mpg for driving within city range.

3. Ford Escape Hybrid

It is the first Hybrid SUV in the market, another first for Ford Motors. Its success heralded the launching of the Mercury Mariner a year earlier than was intended. This hybrid vehicle produces 28 mpg in combination driving. This gem from Ford is known for its spacious cargo room, its easy maneuverability and its visibility.

Its add-ons include anti-lock brakes and outlet for 110-volts located in the control panel. The Escape Hybrid still reigns supreme above its closest SUV rivals, such as Lexus.

4. Honda Insight

This hybrid from Honda may not be as award-winning as its competitors, but the Insight is proving itself as the best one when it comes to fuel economy. It runs on an impressive 60 mpg on city driving, and an awesome 66 mpg on the highway.

Although the Insight is not as comfortable and impressive as the popular sister Civic or the famed Toyota Prius, it will do best as a second-car, or a commuter vehicle.

Other choices include:

2006 Lexus RX 400h – it is the firs SUV in the luxury level, it is known for its indefatigable power, its cool technology and its fuel efficiency.

2006 Toyota Highlander Hybrid – it is said to drive better than the common SUV, and gives off great power, but the downside is its lack of gadgets on the dashboard.

Determining Your Auto Insurance Price

Pedaling  upright in the traffic...
Source: Flickr


Life is like a jigsaw puzzle.
You must know all the facts and pertinent information before making a choice. To see the entire picture, you need every piece of the puzzle in its place.

Like the way your Auto Insurance Policy Price being determined, you need some pieces of information or maybe, a common knowledge, as to what the insurance companies are looking for when determining how much your coverage will cost.

There are six major areas that determine your auto insurance policy price. The first is your driving record. A better driving record lowers the total cost of your auto insurance. Avoiding auto accidents, speeding tickets and other driving convictions can keep your clean record that will not cause your rates to be outrageous.

Do a self-check sometimes to see the impact of raising and lowering your deductibles and coverage amounts on the price of your insurance. Raising a deductible lowers your monthly payments while increasing the deductible has the opposite effect. The same goes for the actual coverage amounts.

Studies show that younger drivers are involved in more accidents than older drivers. Inexperience people behind the wheel of an automobile may potentially be involved in a collision. Generally, most insurance companies charge more for individuals under the age of 25.

Thank in large part to theft, vehicular costs and safety records because some cars rate a higher premium over other vehicles. As if it wasn’t bad enough, the amount of annual miles you place on your vehicle through driving can increase your auto policy. If you exceed to the total average of 10,00 miles in a year, except a rate increase because you also increase the potential to be involved in an auto accident.

If you live in a big city, you’ll pay more for your auto insurance policy compared to those who live in a nice farm out in the country. It’s because the city has more thefts and has higher rate of accidents, which lead to higher costs absorbed by the insurance company. It was passed along to the consumer when the insurance companies determine you auto insurance policy price.

Hopefully, this information can help you focus in some areas within your auto policy that you can review you insurance agent in the hopes of actually lowering your auto insurance rates instead of raising them. Now, did you see the whole picture of the puzzle?