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All companies are not the same when it comes to what they offer drivers. There are carriers that will give customers who stick with them a loyalty discount and others that will cut costs for brand new customers.
Multi-vehicle car insurance discounts
Some carriers will give you a discount if you insure more than one vehicle and some will discount your rate if you have a newer car. The trick is to find the one that provides the most affordable coverage that meets your individual circumstances.
It is important that you understand the biggest factor that impacts the rate you are given at arizona-insurance.website/arizona-auto-insurance-quotes/, and that is risk. Actuarial tables give insurers a way to view you as someone who is a desirable customer or not. Lower risk profiles are advantageous. So how do you keep a lower risk profile?
First, keep a clean driving record, free of moving violations and the points on your license. Being accident-free will also help you, as is having a claim history of few to no claims at all. A customer with those characteristics looks good on paper.
Car insurance risk factors
You may have some higher-risk factors that you need to account for. One of these is if you are a senior citizen, a higher risk driver group. In that case you can often find a discount for taking an approved mature driver course.
Younger drivers also have a more risky profile. They, too, can benefit from taking a driver education course and you will see an impact on your premium costs from many carriers. Teen drivers are so inexperienced that they get in more accidents than any other group. Encourage them to take this kind of course to help improve their skills and experience but also to lower insurance rate.
If you drive fewer than average miles a year you’ll get lower rates. If you have certain affiliations you may also find a discount with some companies. There are discounts for military and for some government workers.
It is important to look at your own risk profile with the eyes of an insurer. As you can see, there are multiple ways to help keep your premium affordable. Finding those ways means looking at more than one carrier and finding the one that fits you best.