Car insurance, to some, is a beautiful thing…kind of like bubble wrap in that it is supposed to wrap you up and keep you financially safe in the event that something bad happens while you or someone else is driving your vehicle. However, according to an article published in Yahoo Autos, this is not always the case. The following are five examples of things that your auto insurance company may be telling you up front.

1. Your Policy- Agents can help you navigate the different types of auto insurance policies that are out there, but this doesn’t necessarily mean that they have your best interests at heart. Often times, agents are competing against one another in order to come up with commissions for signing customers up with a particular plan/policy.
2. Age- Almost all licensed drivers know that the high risk group for insurance companies tends to be males under the age of 25. According to AllInsuranceinfo.org, it typically takes approximately three years of driving experience in order to be quoted at a lower auto insurance rate. However, in the interim, other ways to avoid the high premiums include directly asking your insurer for ways to score a lower premium.
3. Credit- Bad credit will never help you- especially where vehicles are involved. Many car insurance companies factor your credit history into your overall premiums, so make sure that your credit history is as clean as it can be prior to applying for auto insurance.
4. Your Vehicle- Your car may look like it is worth a lot more and run like a charm. However, where insurance companies are concerned, even with the best parts and service in the world, a fully-repaired vehicle will often be less as a used car or trade-in than an identical car without an accident history.
5. Loyalty- Rates for various car insurance companies can vary, so make sure that you are always checking for the better deal while keeping your options open!

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