What personal factors can affect your

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What personal factors can affect your

These are, of course, the two most obvious factors that affect the cost of your auto insurance. You may not realize it, but your overall rate is also affected by many more different factors — some of which you can control, and many of which you cannot.

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However, knowing what affects your rate can help you make a more informed decision when purchasing insurance, and can help you know exactly what to do to lower your expenses. Demographic Factors Your gender, age, marital status, geographical location, and credit score all affect your insurance rates in different ways.

Gender and Age Young men usually incur higher rates than young women as statistically, more male teenagers have accidents than female teenagers.

However, older men generally have better rates than older women. Marital Status Married people tend to have fewer accidents than single people; therefore, getting married especially for men can significantly lower your rate.

What personal factors can affect your

How much your rate decreases depends on your previous driving history — if you are a man who has never been in an accident and has a clean driving record, you could see your rates nearly halved.

Where You Live Because most traffic accidents occur close to home, the area you live in greatly affects your rates. More densely populated neighborhoods with more cars mean you are at a higher risk of accidents, theft, and collisions with injuries.

Repairing your car also costs more in some areas, and some areas have higher rates of theft.

What personal factors can affect your

Detroit and Philadelphia are two of the most expensive cities in which to insure a car, as they both have high traffic density and high rates of uninsured drivers. Credit Score Many insurance companies take your credit score into account when determining your rate.

There is no specific point at which your credit score begins to affect your rate, but in general, lower scores mean higher insurance premiums. Others, such as police officers, paramedics, nuns, and insurance underwriters, often receive a good rate, as they are seen to be more careful than the average driver.

Car-Related Factors The car you drive significantly affects your rate, since some cars are more likely to be stolen, lack safety features that prevent accidents, or cost more to repair.

Owning a car with a lower safety rating, however, will usually result in a higher cost. Safety features such as airbags, automatic seat belts, and traction control help make your car safer, which makes you less likely to get in an accident, as well as making it less dangerous.

Vehicle Size Larger cars are generally safer than smaller cars in an accident.

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Therefore, many larger cars with good safety ratings have lower premiums than smaller cars with otherwise similar ratings.

However, cars with larger engines relative to body size tend to have higher rates — for instance, insurance for a sports car with a V8 engine costs much more than a small car with a V4 engine. Therefore, it is likely that the owner would simply discard the vehicle and replace it, rather than paying for repairs.

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Since the cost to replace a new car is much higher than to replace an old car, newer cars are not considered to be totaled as often, and generally have much higher collision coverage rates than older autos.

The higher coverage translates to a higher premium for a newer car. However, if your car is quite old, you could probably drop the collision coverage altogether and simply save the money to buy a replacement jalopy if you get in an accident.

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But if you have a car alarm or other anti-theft features, this can lower the premium. Personal Driving Habits While the above items do influence your overall rate, the most important factor in determining your insurance costs is your personal driving record.

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There are several factors which directly or indirectly affect the health. Among these social, cultural, and envi­ronmental factors play dominant role for determining the individual and group health. The social groups to which people belong are the family, the kinship and caste, religion, village.

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Significant factors include past experiences, a variety of cognitive biases, an escalation of commitment and sunk outcomes, individual differences, including age and socioeconomic status, and a belief in personal relevance. Personal factors are behaviors or beliefs specific to a student, like interests and personality.

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