One of the most important factors affecting your auto insurance premiums would be the kind of Risk you are seen as by an insurance company. Most insurance companies offer several levels of premiums based on the risk you and the drivers in your household are, and more factors decide this than you may expect. These are the major ones: Driving record. Everyone knows that an at-fault accident will increase insurance rates, but tickets and not-at-fault accidents can too. Insurance companies believe that for every speeding ticket you get, your chances of being involved in a traffic accident rise by 100%. … Continue reading →