If you’ve been a customer of a car insurance company for years and years, chances are you never even look at your actual policy. Every year at renewal time you only look at the bottom line where it states how many bucks are coming out of your account.

Finding accurate auto repair information can be difficult due to the wide variety of vehicles on the road today and the vast differences between them. You can find helpful auto repair information at AutoRepair-Info.com

But do you ever look at the fine print, and the area that has the personal details, such as how many years you’ve been licensed, how many kilometers the vehicle is driven on average, and where?

In actuality, rates are determined by all sorts of criteria, like where you live, and what you drive. Drivers in cities pay more because there’s more chance of your car being stolen. Of course, if you drive a car that looks good to the thieves, your rates rise even more.

Lower rates can happen if you fall into the low risk category. Having had no accidents and being older than a teenager will help. If you’re a guy, getting married helps too.

The temptation to shop around may not be a wise decision. We all have seen the ads that try to entice us to switch insurers, but being a loyal customer for years may give you a leg up. It allows your good driving record to shine, and most companies will offer rewards and discounts. Keeping in touch with your agent and making sure they have accurate information about you, is a good idea.

Paying for small repairs out-of-pocket and increasing the deductible can keep your rates from going up. Keeping you car in touch with your car service shop will prolong its life, and as you and your vehicle age, your rates will moderate as well.