Auto insurance and insurances in general are a very personal thing, but we as civilized people have to be aware that like everything life, our behavior can have consequences, some can be good and some can be bad, and when it comes to auto insurance there are personal issues that can affect a lot of benefits and even can produce the cancellation of your policy.
You driver’s record will always be an important issue for most insurance companies, therefore, you always have to try to be an excellent driver and stay inside traffic regulations, another aspect is the amount of miles you drive. In summary, the better is your driving the better will be the relationship between you and your insurer.
There are car’s brands that are more expensive from different point of view, which is why it is a personal aspect that can affect your insurance policy. The cost of fixing a car will depend on what car you have, also the auto parts you may need when your car need to be repaired, all these information will affect the cost of your policy.
Age, profession and address
These personal aspects play an important role when an insurance company needs to set a rate, as you know insurers look for those clients who can have a low claim rank, there for age has a lot to do with it, for example a teenager would have a higher rate because is more likely to have an accident than someone older. Your occupation or profession can affect your rates depending on where is your work and how many miles you have to drive to get there and regarding your address, insurance companies will evaluate the kind of area where you live to investigate the accidents and thefts statistics, they also can look into the medical and car repair costs in your area.