What are the Most Important ‘Risk Factors’ Impacting Car Insurance Rates?

Illustration of a hand holding a checklist next to a red car, with the text "How are car insurance rates calculated?" and a phone number at the bottom.

Car insurance companies typically determine a driver’s rate based on risk. Insurance companies want to make money and will try to estimate the likelihood of you filing a claim for any type of car accident – whether or not you’re actually at fault. Your car insurance will be cheaper on a monthly and annual basis if you […]