According to a recent research, insurance rates can change depending on certain aspects of the driver’s personal information, but the question that remains is: what kind of personal information can actually lower my rates?

Experts looked into this case carefully and listed the factors that can change the motorist’s insurance rates.

One of the most important factors, according to the research, is the motorist’s driving profile, as well as his or her ticket history. Both factors can be used in the process of setting insurance rates. Car owners with a history of no accidents, violations or minor collisions can end up obtaining a discount on their car insurance rates because they are less likely to be involved in a crash.

Another important factor is the type of vehicle you are purchasing. Some car insurance premiums are based on the repair costs, the car’s sticker price, the safety record and potential likelihood of theft linked to the model of vehicle you decide to drive. Insurance companies are usually very focused on keeping their costs low so one of the most important personal information they will look into before setting your rates is your age, where you live and even your occupation.

According to the research, your premium is always based on patterns of claims related to your age and professional group. For an instance, 40-year-olds are less likely to be in accidents so their insurance rates will be lower than the rates of a teenage boy and so on.

One of the factors that may also play an important role in the type of rates you will pay is the kind of coverage you happen to choose. By choosing low deductibles and more protection, you will end up paying more for your premium rates. Insurance companies may also look into your credit score as part of the process of setting your rates but this practice is being banned in several states.

Overall, experts encourage drivers to be calmer and more circumspect while behind the wheel to save in car insurance. The less you’re involved in accidents the less likely you are to receive tickets associated with traffic violations. Drivers who are usually calmer while behind the wheel tend to also save more gasoline than aggressive motorists, according to a recent study. Experts also urge car owners to clean up their credit and choose a vehicle with a lower cost of ownership.

For more information on what kind of factors that will definitely help you to have your insurance rates lowered, read the full article by clicking here.