Test Drive Auto Rates Before You Buy

Before purchasing a car, it’s a good idea to understand all the costs associated with the purchase. This includes the cost of automobile insurance. Auto premiums rates vary based on a variety of factors, which we’ve highlighted below. Learning about how rates are determined will help you navigate why rates vary and can assist you with your auto buying decision.

Type of vehicle

Both size and performance impact premium costs:

Size: Larger cars tend to be less expensive to insure than smaller cars because they typically suffer less damage in an accident.

Performance:  High-performance vehicles, such as sports cars, tend to be more expensive to insure since they are statistically driven more aggressively.  As a result, they tend to be involved in accidents more frequently.

Value and age of vehicle

As a simple rule of thumb, the more expensive the car, the more it will cost to insure. The newer the vehicle, the more it costs to insure.

Vehicle usage and location

Typically, the cost is based on the average amount of miles the automobile is driven: the higher the mileage, the higher the premium. Where you live or store your vehicle has a major impact on what your automobile insurance will cost. Typically, the more densely populated an area is, the higher the auto premium. More cars on the road means a greater risk of accidents.

Driver age

One of the most important factors in determining auto premiums is the driver’s age. Young drivers under the age of 25 are statistically up to four times more likely to be in an accident, so rates are typically higher than their older counterparts. Additionally, males under the age of 25 will be more expensive to insure than females under the age of 25.

Driver record

Studies indicate that drivers with past claims are more likely to have future claims, so the driving records of the individuals listed on the policy greatly impacts the cost of the policy. Drivers with moving violations, accidents and/or claims in the past three years will usually pay a higher price for their automobile insurance than those ensuring the same vehicle but are “loss-free.”

Deductible choice

The higher your deductible, the lower your premium.


You can earn premium discounts based on the vehicles safety features, such as anti-lock brakes, air bags, anti-theft devices and having more than one car on the policy.

What to do before purchasing a vehicle? Test drive the automobile insurance rate by contacting Zeiler Insurance at 708-597-5900. We would be happy to provide you all the information that you need to help you make your best buying and coverage decision.

Additional Tips:

Top Ways to Save on Your Auto Premium:

  • Consider raising your deductible
  • Keep up your good driving record
  • Drive less to qualify for a low-mileage discount
  • Drive a car with safety features such as anti-lock brakes, airbags, etc.
  • Install an anti-theft device
  • Ask about our multi-policy discounts

Learning about how automobile insurance rates are determined will help you to navigate why rates vary and assist you with your auto buying decision.

Factors that impact auto rates include:

  •  The type of vehicle you drive
  •  Where you live
  •  Age of insured driver(s)
  •  Age of car
  •  Value of car
  •  Driver record
  •  How many miles you drive

Related Articles: Car Insurance Myths

If you have questions or concerns on this issue, do not hesitate to call Zeiler Insurance and speak to one of our customer service representatives. As an independent agency, Zeiler Insurance prides itself with quality customer service for the people of the Chicago-land area and the rest of the Midwest. Customer or not, we can review your insurance and see if you are being protected appropriately for the right price.

708.597.5900 x134

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