Life Events that Impact 汽车 Insurance Rates
保险是一个数字游戏。保险人的费率基于被保险人提出索赔的可能性；您提出索赔的可能性越大，您的索赔就越高 insurance 保费 will be. It’就是这么简单。因此，要获得最佳价格，您需要将自己表现为低风险客户。
找到最优惠的价格 汽车 Insurance!
Tip: Act now to see if you qualify for 较低的利率!
但是您可以采取什么措施来减少这种风险？什么 major life events are impacting your chances of getting affordable 汽车 保险 cover?
您的 18th 和 25th birthday have a massive 对你的影响 auto insurance policy. After these dates, your risk plummets, 和 your rates soon follow. Car insurance companies base their rates on probabilities, as discussed above, 和 a 16- to 17-year-old is twice as likely to have a 汽车 crash than an 18- to 19-year-old.
在这个年轻的年龄，您支付 higher deductible because your insurance needs 更大，但是只要您18岁就可以 lower rates and bring those car 保险 costs down.
A teen driver is between 2 和 5 times more likely to have an accident 和 suffer bodily injury than a driver aged between 25 和 35, so car 保险 costs 达到25岁时将进一步减少。
最便宜的价格倾向于保留 policyholders 年龄在50至60岁之间。 insurance 保费 平均费用约为1200美元，而16岁至18岁的平均费用为5,000美元以上 青少年司机。但是，在这个年龄之后，成本又开始增加。即使你比较干净 driving record, auto insurers 会认为您的风险更大，并且会随着年龄的增长而增加您的保费。
驾驶者 over the age of 80 can expect to pay roughly the same as those aged between 20 和 29, for example.
您的 marital status 承保人认为大多数 保险单，包括 homeowners 保险。再说一次’s all about probability, 和 statistically speaking, married policyholders 承担的风险要比其同等承担的风险小。哪里 car 保险 令人担忧的是，就像你’更可能使用您的配偶’s 汽车.
您的 insurance company 可能还会为您提供 多车优惠，让您节省更多 car insurance 政策。与您的服务提供者讨论 potential savings 和 benefits.
例如，一对已婚夫妇平均要支付1600美元 Geico, 和 if they have more than two 汽车s between them, they can shave up to 25% off the cost.
但是，出于同样的原因，如果您离婚，这些费用可能会增加，平均增加幅度在$ 120到$ 140之间。
在一个人的眼中 保险公司，你 ’re more responsible when you buy a home 和 your rates may decrease as a result. However, the best thing about this life event 是它允许您利用多策略折扣。
If you take out many different policies with the same provider, you can shave hundreds of dollars off your annual 保费 和 will be covered for everything from property damage to medical 费用, physical injuries, vandalism, 和 breakdowns, all with the same company.
Buying a home also improves your chances of securing credit 和 it gives you more options when times are tough. 家 owners can tap into their home equity whenever they need a little cash 和 because they can use their home as collateral, they can also benefit from low-interest secured loans.
买房是最大的事情之一 life changes you can make 和 it’s also a costly one as it leaves you with substantial 和 long-term debt, but it’s a decision that generally 汽车ries more positives than negatives.
As an employee you can benefit from company discounts 和 政策 offers, potentially saving on a host of insurance policies 削掉你的钱 car insurance policy. This 不是’t true for all jobs 和 all employers, but it’值得研究。
Ask your employer if there is any way you can save money on your 保险 和 if there are any other benefits you can take advantage of.
Repaying debt is a huge accomplishment, especially when you consider that three-quarters of all Americans will die with substantial debts 和 many of those will have lived with debt throughout their adult life.
Repaying debt provides you with a little more financial freedom 和 is a significant weight off your shoulders, but it can also reduce the price of your auto 政策 通过改善您的信用评分。
Bad credit increases your risk significantly 和 is factored into a lot of calculations, including job applications 和 security clearances.
多少钱 Car Insurance Cost?
The exact price of your 汽车 保险 政策 will depend on a number of factors, from coverage limits to your age, personal circumstances, driving history, 和 type of 汽车. Whether you have a new 汽车 or a used 汽车 会影响价格，但它是否具有紧急制动等功能， anti-lock brakes, 和 安全气囊，也会有所作为。
与您讨论选择 保险代理商，比较多家公司的价格，然后’别忘了考虑诸如 rental 汽车 expenses and 碰撞范围。您的目标不是简单地获得最便宜的 auto insurance premiums and move on. You need to think about what will happen if you ever have an accident 和 file a claim. If you’今天很便宜，将来您可能会损失一些昂贵的费用。
概要： Comparison Shop and Benefit
每次 major life event 发生，您应该考虑更改您的 insurance 政策. Car 保险 isn’t like life 保险 or health 保险;它没有’t increase as you age 和 the cheapest 政策 不是’t the one you’re offered at the first time 问。如果有的话，则相反，因为如上所述， teen drivers and young drivers pay huge 保费 every month.
Comparison shop, negotiate, 和 don’不要害怕寻找新的提供者。 Car insurance companies do everything they can to compete with one another 和 switching is a great way for policyholders to take advantage of different circumstances 和 secure reduced 保费.