Okay, we understand that thinking about your car insurance rates is probably not very pleasant. In fact, it could be stressful. While insurance isn’t most people’s idea of “fun,” it’s important to understand the fundamentals. When it comes to your auto insurance, it’s helpful to understand what factors affect car insurance rates.
Yes, that big, scary number on your bill might seem completely random, but it’s anything but. Insurers don’t really do “random.” Everything is calculated. So, to give you some inside intel about how an insurance company sets car insurance rates, check out the following factors that can impact your car insurance premiums.