New Things That Impact Car Insurance

Things that impact car insurance near O’Fallon, MO

Have you ever wondered what types of things impact the cost of your car insurance? There are obvious things and some things that are not so obvious that can increase or decrease the price you pay to insure your car. Below are a few things that can impact the cost of car insurance. You’re probably interested in saving money on your car too. If you’re looking for a trusted used car dealership near O’Fallon, MO, visit us at Johnny Londoff Autoplex today.

Our used car dealership has a great selection of used cars, trucks, and SUVs, and we’d be honored to help you find the right one for you. Maybe you need something small and economical for the commute, something rugged that can get you down a dirt trail to your favorite campsite, or space enough for the family. We’ll have something in our selection to suit you.

How different kinds of cars determine insurance near O’Fallon, MO

The primary factor for insurance cost is the car you drive. Generally, the more expensive the car is to purchase, the more expensive it will be to insure. An expensive car is going to be made with more expensive parts and components. If the vehicle is involved in some accident, the replacement parts will be more expensive, so the cost of insurance is higher to cover this. The purpose of the vehicle can also drive prices up. A small sedan used for commuting will be treated differently than something like a sports car. The sports car is more likely to be driven aggressively and therefore more likely to end up in some collision. So, simply choosing your car wisely can make a difference.

How driving records influence insurance costs near O’Fallon, MO

Another thing that significantly influences car insurance cost is your driving record. If you’ve ever gotten a speeding ticket, you’ve probably noticed that your insurance costs went up. The insurance figures that someone who speeds is more likely to make an insurance claim, so they charge those individuals more. If you have prior accidents on your record, these will also impact your insurance cost. Even your credit score can be a factor the insurance companies consider when determining your premium.

Additional ways to lower your insurance costs near O’Fallon, MO

So, we’ve looked at two simple factors that can impact your car insurance costs. Consider checking with your insurance as they might offer classes you can take to lower your cost or other incentives to help save you money. And, when you’re ready to find a used car, be sure to visit us at Johnny Londoff Autoplex today.