Major Factors that Affect Auto Insurance Rates

Factors That Affect Auto Insurance Rates in San Diego, CA

Many drivers are in search of the lowest prices for San Diego auto insurance.  It is important to keep in mind that auto insurance rates are not fixed prices and are determined by a variety of factors and vary from each individual.  If looking to reduce your auto insurance rates, here are several factors that agencies consider to determine insurance rates:


Many insurance agencies use age as a major factor.  Using data from the past years, insurance agencies can determine which age groups are more at risk of getting into an accident.  Typically, a younger driver has higher insurance premiums where as older and senior drivers have lower insurance premiums because their age group has proven to be the safest.


Similar to age, insurances agencies use data from previous years to determine which gender group is more at risk of getting into an accident.  Data shows that males tend to take more chances and are more reckless on the road in comparison to their female counterparts and therefore have higher insurance rates.

Marital status

Similarly to age and gender, statistically speaking, individuals who are married tend to be safer drivers than those who are single.  Not all auto insurance agencies use marital status to determine insurance rates; however, many agencies reduce car insurance rates for married drivers.

Where you live

Individuals who live in a rural area with little to no traffic will most likely face lower auto insurance costs than those who live in a city or the suburbs.  If you live in a neighborhood with high crime rates, you may also face higher premiums.

Type of vehicle

Generally speaking, the less expensive the car is, the less expensive it is to insure.  In addition, a car with safety features such as anti-lock brakes or an anti-theft security system, can also qualify for lowered insurance premiums.

In addition to the above factors, your driving record, accident claims and credit score can affect your auto insurance rates.  With so many different factors in play, many drivers find it difficult to determine if they are getting the lowest rates possible.  However, with help from American Tri-Star, a trusted San Diego auto insurance provider, you can be sure you are receiving the best rates possible for your personal situation.

Call us at 619-272-2100 or visit our website at and start saving on your auto insurance today.