There are several factors that Tennessee car insurance companies consider when they are determining how much to charge an applicant for his or her coverage. Young drivers or people who have recently got a driver’s license will be charged the highest rates for their coverage because they do not have a lot of experience behind the wheel. Males in their teens and early 20s tend to pay the most for coverage, simply because as a group they are the most likely to be involved in motor vehicle accidents.
Along with age, a car insurance company will also consider an applicant’s marital status. Married people appear more responsible to car insurance companies, and can get better pricing than their single counterparts. If you are planning to get married or have recently tied the knot, make a note to let your Tennessee car insurance company know about the change in your marital status.
Where you live also plays a part in how much you pay for your car insurance coverage. Urban dwellers, who live in areas with a lot of cars on the road, are more likely to be involved in a car accident and pay more in premiums than residents of rural areas do. Car insurance companies also keep track of theft rates in different neighborhoods, and if you live in an area that is often targeted by thieves, you can expect to pay more for your coverage.