Archive for the ‘Getting The Most For Your Money’ Category

How Often Should I Wash My Car?

Posted on: February 26th, 2020 by Accurate Auto Body Shop No Comments

how often to wash carAs your auto body shop, we get this question all the time, but there isn’t a hard and fast rule to answer it. There are a number of things to consider – some environmental factors, some personal driving factors. If you’re not sure what to consider when setting a carwash schedule, factor in the things we discuss in this article.

Paint Protection

Car washing is often about aesthetics, but it’s also about keeping your car in the best condition possible for as long as possible. While chips, wear and tear, or dulling of your vehicle’s paint might not seem like more than a cosmetic thing, that’s not always true. All of those things can contribute to the weakening of your vehicle’s exterior and may indicate larger problems on the horizon – like rust. The car paint does more than just make it look pretty – it helps protect and maintain, too.

Salt Buildup

This time of year, when the weather gets snowy and the roads get salty, buildup is one of the main concerns that brings this question about time and time again. Yes, the salt buildup can cause premature rusting on your vehicle. This means that yes, you should wash it more frequently in the winter when the weather gets bad, but it’s not an immediate or critical danger. It takes a lot of salt sitting on your vehicle for a long time to cause irrevocable damage. If you have a regular car washing routine in place, that should be sufficient enough to keep up with the salt buildup around the Front Range. Adding in an extra wash or two when the snow melts between storms isn’t the worst idea.

Facing the Elements

Snow and the salt that keeps us safe in winter weather aren’t the only things that can cause premature wear and tear to your vehicle. All year round, your vehicle faces the elements when you drive. Bright, hot sun, rain, mud, dirt, dust, rocks. It all impacts your vehicle. Understanding the impact that these elements have on your vehicle’s exterior can help you set the proper car washing cadence for your vehicle and situation. For example, if you work at home and only go out on the weekends, you’re less likely to need a car wash as often as someone who commutes an hour both ways daily and ventures out into the mountains on their off-days.

Like we said at the beginning, there isn’t a hard and fast must-follow rule when it comes to washing your car. However, we encourage owners to treat it like any other part of regular vehicle maintenance. Set a schedule and stick to it. Add “emergency” washes when you need to and conserve when you don’t. If you want a rule of thumb to follow, every two weeks would be ideal with daily usage. Keeping your vehicle clean and free of dust, debris, salt, and more extend its life and its peak performance years. As long as you’re regularly washing it, you should be good.

Best Times to Get More for Your Trade

Posted on: December 18th, 2019 by Accurate Auto Body Shop No Comments

trade in carAs you look toward 2020, it’s the time of year when people are painting themselves a picture of what the new year will hold for them, who they’ll be at the end of it. If your picture for next year includes you in a new car, you’re probably already doing some research about trading your old one in. You’ll find a plethora of information about what needs to be in order before you trade in your vehicle, but what about when you should plan to trade it in? Are there certain times of the year where you can make more for your trade-in than others? Do you need to act fast or should wait a little while? Here are some things to consider before you rush your vehicle to the nearest dealership to trade it in.

After You’ve Done Your Research

The best time to trade your vehicle in, really, is when it’s not dire. When you don’t need to. This gives you the time you need to do some research, to figure out what you’re looking for and what you’ll need to get there. It also allows you to understand what you can expect to get for your vehicle, and if there are any ways for you to increase the value of your vehicle before you turn it in.

Not Right Now

We’re about to hit the heart of winter, and unfortunately, that means you’re not likely to get top dollar for your trade-in this time of year. Spring and summer are better choices for many reasons. At the end of the year, in the throes of the holiday season, people are stressed, budgets are tight, and Black Friday purchases take out a large chunk of the discretionary income that might have gone to vehicle purchases in the first place. In the spring and summer, the market is higher, people are enjoying driving more, and are often in a better place financially to consider a purchase like this.

Before the Next Model Year

There’s a lot of value in selling your vehicle before it’s another model year old. A 2018 vehicle sells a lot better before the 2019 models are out. That stands true for vehicles further removed from their “new” status, too. Potential buyers take the model year into consideration for a number of reasons. They may be looking for a newer technological feature, they may be looking for something more easily serviced, or they may only want a vehicle with a certain number of years under its belt. If you’re looking to sell your vehicle in the next year, make sure you’re aware of when your manufacturer puts out their new model years and try to trade it in before that happens.

When Market Value Is High

This one is tricky and variable, but there are a number of market value calculators out there that can help you get a better idea of where your vehicle stands. Market value is regularly fluctuating and shifting, so it’s a good idea to check it frequently as you do your research and start your decision-making process.

Trading in your vehicle for a new ride is always an exciting prospect, but you should get the best value possible when you do. Use this information to help make your trade in day a pleasant surprise instead of receiving a disappointing offer.

Insurance Savings Tips With Teens

Posted on: October 24th, 2019 by Accurate Auto Body Shop No Comments

insurance saving tipsSure, the idea of keeping your kids off the road forever might be a good one, but we all know that doesn’t work forever. So what do you do when your teen is ready to get behind the wheel and you’re crunching the numbers for what it might do to your insurance bill? Adding a teenaged driver to your family’s insurance policy can spike your rates upwards of 80% sometimes. But it doesn’t have to be such a steep increase. With a little creative thinking and some inquiries into your current insurance company (and other companies, too), you can face a much more reasonable increase. Give these things a shot and see how you shake out.

Driver’s Ed Matters

Half the reason rates increase so sharply when you add a teen onto your policy is because of the lack of experience. If your teen is taking (and passes) Driver’s Ed, there are discounts available. Completing a Driver’s Ed course proves to your insurance company that they have taken the time to not only learn, on paper, the rules of the road, but have had some time to practice them under a supervised eye, too.

Check that Report Card

That “Stay in School” slogan is good for more than just getting your kids through high school and into college. And those good grades on their report card might be worth more than a better shot at scholarships, too. Many insurance agencies offer discounts for good grades that can help lower the impact of adding your teen to your family’s policy, too.

Ask About Discount Programs

Though new drivers are unlikely to be eligible for many discounts that are available to drivers who have been on the road for awhile, they may be eligible to take part in smart driving discount programs that operate based off of a device plugged into your vehicle for 30-90 days. These programs aren’t always the best bet, but if your teen driver follows the rules of the road and doesn’t have a lead-foot problem, you could save big. Because these programs work based off data collected by the vehicles and not a rate assigned due to age, it’s your teen’s chance to shine.

Accept the Inevitable

No matter how careful your teen is on the road, you’re still likely to deal with the follies of an inexperienced driver. Saving as much money as you can is great, but there’s still a 50% chance that your teen will be one of the half that are involved in a car crash before they graduate high school. Sometimes knowing that this is a possibility (and maybe even an inevitability) can help take the pressure off you and your kid. Mistakes happen, and as long as you have insurance that can keep you covered when they do, you should be good to go.

Putting a new driver on the road is a nerve-wracking experience. It’s exciting and terrifying. Lessen the fear by knowing that even if your teen does find themselves in an accident, the team at Accurate Auto Body is here for your auto body repair to help you get back on your feet and back on the road as fast as possible.

Car Insurance Tips for The Right Coverage

Posted on: October 11th, 2019 by Accurate Auto Body Shop No Comments

Car insurance is one of those weird things in life – you know you need it, it always comes in handy when you least expect it (such as when you need an auto body shop), and chances are you pay a pretty penny out of pocket monthly for it, but you don’t necessarily understand it. If you’re looking to get coverage or maximize your current coverage, here are a few tips.

Investigate Deductibles

Deductibles are arguably one of the most confusing parts of your auto insurance coverage, but they are also the place where you can see the biggest impact on your monthly spending. Before you choose a high deductible in order to save more monthly, you should consider your driving habits. Do you go to the mountains a lot? Do you spend a lot of time on the highway, especially during high-traffic periods (i.e. rush hour)? If so, you probably don’t want a high deductible. Even something as seemingly small as a rock flying up from the highway or off the back of a truck and into your windshield can cost you way more than you anticipated if your deductible is high. Look at the last five years of your driving life. How many times have you been in the auto body or glass repair shop? This is a good idea to factor in when considering what coverage is best for you, too.

Factor in Your Vehicle

Whether you like it or not, the type of vehicle you have will impact your insurance rates. The year, make, model, and even color will have an impact on what kind of risk your auto insurance company considers you to be. Think about this when you’re looking for the best rates and see what insights you can get into which companies factor which pieces of information in which ways.

Discounts, Discounts, Discounts

Almost every top-rated (and you should always go with top-rated) insurance company out there offers a plethora of discounts and discount programs. No matter what your coverage levels, you should absolutely take advantage of the programs that make sense for you. Some discounts will be applied automatically for things like automatic payments, paperless billing, bundling auto and home insurance, even something like your status as a credit union member can save you money! Then there are performance-based discounts with things like Smart Drive with State Farm and other similar, device-monitored discount programs. By the time you’re done racking up the discounts, you might be surprised to find that you’re paying a fraction of what you thought you would be!

Don’t Skip Your Annual Rate Check

Even if you’re perfectly happy with your rates, coverage, and insurance company, we always recommend doing an annual rate check. There’s nothing wrong with shopping identical coverage across the top-rated insurance companies and seeing if there’s money to be saved by switching.

Exactly what kind of coverage works best for you will vary depending on your individual needs, but keeping these things in mind as you’re shopping or looking to increase coverage or reduce costs will help you find the right fit, for the right price.

Things Everyone Should Know About Their Car

Posted on: July 29th, 2019 by Accurate Auto Body Shop No Comments

car maintenance basicsCar Maintenance Basics

Vehicle ownership comes with a lot of responsibility. Often times, that responsibility comes down to knowing when you should take your vehicle into the professionals to keep you and everyone traveling with you (and besides you on the road) safe, but there are some things every vehicle owner should know how to do for themselves. As your auto body shop, we’re going to run through the basics you should have under your belt to help you make informed decisions about your vehicle and to keep it in the best condition possible.

Understanding Tire Pressure

Keeping your tires in the appropriate pressure range seems like it would be easy. If it looks flat, it needs air, right? Well, yes, definitely. But there are more nuances to it than that. A tire that doesn’t look flat might still be low on tire pressure, and it’s important to know not only what constitutes low tire pressure for your vehicle and tires, but also what the right range to stay in is, as well. This information should be in your manufacturer’s guide, or you can consult your favorite mechanic, but it’s important to know that an over-pressurized tire is just as, if not more, dangerous than an under-pressurized tire.

How to Change a Tire

We’ve all seen the movies. The one where a couple or a group of friends or a family winds up stranded on the side of the road because they blew a tire. It’s never a fun situation, but it’s even less fun when you don’t know what to do to get back on the road and out of the borderline-beginning-of-a-horror-movie scene. Knowing how to change a tire is not as difficult as it seems, but it’s worth learning to do correctly. Check YouTube, or again, ask your favorite mechanic, and make sure you do a practice run (or 5) before you find yourself in a situation where you need to execute the tire change quickly and correctly.

Checking Oil

Everyone should be able to check their own oil. Relying on the sticker from the oil change place isn’t always going to cut it. Those stickers run off a standard system that isn’t universally applicable to all vehicles. Some vehicles use oil faster than others. Learning your vehicles’ tendencies may take some time, but understanding how to pull the dip stick and check it for your oil level is one of those things you should do regularly. Keeping your vehicle with the proper levels of oil is an important step for overall vehicle maintenance.

Decipher the Lights

All those fancy lights on your dash that pop on and off? They mean something, and half the mystery of being a vehicle owner is figuring out what that is. Each of those indicators exist to keep you and your vehicle safe, so ignoring them is not the answer! But being able to decipher which need immediate (read: reroute to the mechanic’s shop) attention and which can wait until you can schedule an appointment should be on your to-do list if it’s not already something you know inside and out.

There are many other things vehicle owners can learn about their cars, vans, trucks, SUVs, and more that will help in varying degrees, but knowing these basics creates the perfect foundation from which to learn more (or not) depending on your interests!

Leave Paint to the Experts

Posted on: May 31st, 2019 by Accurate Auto Body Denver No Comments

car paint diyCar Paint DIY – Do Not Attempt

Vehicle repairs and maintenance has become an interesting world with the plethora of DIY articles, videos, and walkthroughs on the internet. If you have a working knowledge of vehicles, there’s no reason you can’t handle things like an oil change or a quick fix on your own. If you have extensive knowledge of the mechanics of vehicles, there’s no reason you can’t handle a little more on your own. But there are some things that, invariably, should be left to the professionals. Every time. We’ve talked about some of these briefly in the past, but today we’re diving into one in particular – painting. Car painting and refinishing is definitely something not to risk on your DIY skills.

Color Matching Is No Joke

If you’ve ever tried to do a paint repair on your own, you probably already know this. If you haven’t, let us save you some time, trouble, and major disappointment. When it comes to matching the color of your vehicle, there is no wiggle room. Something “close, but not quite” won’t cut it and will be immediately obvious. The shade of candy apple red that your manufacturer uses is likely copyrighted and unavailable anywhere else. If you want your vehicle to look like it did when you first got it, leave the paint matching to the pros.

Paint Curing Is for Pros

Paint application and curing is another process that is incredibly difficult to get right. Ensuring a smooth application, one that can go unnoticed by even a well-trained eye requires expertise that is nearly impossible to find outside of professional circles. Paint curing is another important part of the process that’s easy to mess up if you’re not careful. Often, when you take your vehicle in for repairs, you’ll receive advice on how to keep the paint from prematurely fading while the paint finishes curing. Before those instructions are given to you, a lot of work has already been done to make sure the paint job will last.

Is it Sealed?

There is so much more that goes into a vehicle paint job than meets the eye. When done expertly, it looks simple, but like most things that look easy, it’s actually complex and multi-leveled. It’s not enough to just slap a coat of paint on and call it a day. Just like your vehicle’s original paint job is sealed and coated to withstand the elements, the new paint must be treated the same as well. Some of those compounds will be present in the manufacturer’s paint as it is applied, but knowing what needs to be sealed and how to seal it is the kind of insider knowledge that’s not quite so easy to Google and call it a day.

There are a number of things about regular vehicle maintenance and minor repairs that can be handled on your own, with the necessary knowledge and proper tools, but there are some things that will always be better left to the experts. Rather than facing the disappointment that comes with a paint job that is obviously mismatched, or one that fades after two days of driving in the sun, or that chips the second it meets a rainstorm, leave your vehicle in the hands of a trusted team when paint is required.

Car Issues You Should Not Fix Yourself

Posted on: February 7th, 2019 by Accurate Auto Body Repair No Comments

Car Issues You Should Not Fix YourselfThe internet is a pretty big place, and you can find more or less any information you want out there anymore. While this is extremely beneficial in a lot of ways, it has spurred the creation of a DIY society that, unfortunately, assumes similar knowledge across those reading articles and watching videos. When it comes to automotive repair, there is a lot more to it than meets the eye. So if something’s up with your vehicle and you’re thinking about trying the DIY route, maybe stop and reconsider. And if you’re battling anything on the list below, call your trusted repair shop first, don’t even begin the YouTube search. There are just some car issues you should not fix yourself.

Windshield Replacement

There are so many options out there for windshield crack patches, and depending on the chip or crack, these might actually be viable options for you, but when it comes to replacement, it’s best to leave it to the professionals. A lot of auto insurance providers will cover this kind of replacement, or at least make it reasonably priced with your deductible, and if there is a small expense, it’s worth it to avoid a shoddy replacement job that results in a leaky windshield or worse.

Transmission

This one should be pretty obvious, but transmissions are not to be messed with. They’re complex systems that impact your vehicle’s ability to do everything, and an unsafe transmission is an unsafe vehicle, period. They’re mazes in their own right, and should only be navigated by someone with extensive experience doing so. Save your vehicle, and your fingers, the pain and take it to the shop.

Whole-Car Systems

If something’s off that’s impacting your whole vehicle, like an electric system, chances are it’s too complex for most people to tackle on their own. An apparent solution to the immediate problem might just spark an issue somewhere else. Whole-car systems need to be approached as interconnected things, which requires extensive knowledge of every piece of that puzzle. Professionals deal with these things on a daily basis and have the experience necessary to navigate even the most complex automobile issues.

Anything Airbag Related

Airbags are one of your biggest lines of defense if you find yourself in an accident, so it’s not exactly something you want to tamper with on your own. If your vehicle is showing signs of an issue with a safety system that could literally save your life in the event of a crash, let the shop handle it.

Body Repair

This one is a little more debatable, and some people are staunch on doing their own auto body repair but hear us out. Matching paints can be difficult, and if the paint isn’t applied correctly, a botched job can be easy to spot. That might be easy enough to get over, but if you’re dealing with body damage, trying to fix it yourself and failing could result in greater damage over time if a part of the body is rubbing up against more important systems, or poking into an area it shouldn’t be.

In some areas of life, DIY can be an excellent choice, but when it comes to auto repair, we recommend leaving it up to the professionals, almost always. You use your vehicle daily to get you to the places you need to be, compromising quality and longevity of a repair in order to try your hand at it at home isn’t the way to go.

Are Monthly Car Wash Memberships Worth It?

Posted on: November 29th, 2018 by Accurate Auto Body Shop No Comments

car wash membershipsCar Wash Memberships – Are They Worth It?

Washing the car- that thing on the to-do list that sometimes you take a couple weeks too long to actually check off. Especially this time of year, when the temperatures drop and the idea of getting your car wet, even with the powerful dryers some car washes have, seems like a recipe for frozen doors. And yet, keeping your vehicle clean and getting it washed regularly is an important part of vehicle ownership. It prevents rust and unnecessary wear and tear that dirt, grime, slush, and sprayback from the salt on the road after winter weather can cause – which can be contributing factors for auto body repair. If you’ve looked into car washes lately, you’ve probably noticed a car wash or two offering monthly memberships. Are these kinds of car wash memberships really worth it? Well, as with any sort of subscription, the answer depends, and there are a few things you should consider.

Weigh Your Options

If one of your local car wash spots offers a monthly membership program, chances are another one does, too. Do your research and see what kinds of options, and at what price points are available to you before you make your decision. That way you know what is available to you, and, depending on which shop is closest to you (making it more convenient) you may even be able to use the other programs’ components as leverage to negotiate an additional feature. We don’t make any promises, but hey, it’s worth a shot, right?

What’s Included

Take special note of what’s included in the membership, and if there are different levels of membership what the cost difference is, as well as the difference in price between the services offered in each membership on a single-wash scale. Often, the memberships are created with the hopes of saving drivers money, but it’s important to take a critical look at the value of the membership to make sure it’s really worth it, too.

How Often Will You Go, Really?

Here’s the real bottom line. If you’re considering a monthly car wash membership, you need to make sure you’re using it enough to get your money’s worth. If you sign up and then forget to take your vehicle through the wash for….three months….then no, it’s not worth your money. But if you’re serious about keeping your vehicle clean or are using this membership as an excuse to get more serious about that, you should be good. Do the math – how many regular washes, or premium if some of those premium features are included in the membership would it take for you to spend more on washes in a month than it costs for the membership? Is that a number of times you can see yourself washing your vehicle in a month? Is that a number of times your vehicle NEEDS to be washed in a month? If the answer to those last two questions is yes, then you’ve probably got a pretty good value on your hands!

Ask About Extra Perks

Again, we can’t guarantee anything here, and most car washes with monthly membership programs lay out all the perks in the details of the membership itself, but if you’re looking for a little something to sweeten the deal, ask about any extra perks that might not be listed in the membership details. Maybe you get a special birthday gift, or free air fresheners twice a year, or maybe they’ll offer you a discount on detailing if you keep the membership for a whole year. Who knows?! But it’s worth asking about.

Regardless of the perks and the details of the membership, if you decide this is a good move for you and your vehicle, don’t forget our biggest piece of advice: Use the thing, already! Get the most bang for your buck and relish the fact that you’re driving a spotless car more or less all the time.

Car Insurance Facts for New Drivers

Posted on: November 2nd, 2018 by Accurate Auto Body Shop No Comments

car insurance facts for new driversFor first time drivers, knowing where to start with insurance can be a tricky game. If you’re trying to figure it out for yourself, here are a few things to keep in mind as you navigate the wild world of automotive insurance with your first vehicle.

Know What’s Required

In every state, there are different requirements for what you need in order to get automotive insurance. Furthermore, you need to be familiar with the minimum amount of coverage your state requires in order for you to legally drive. Many states require liability insurance, while the rest is optional, while many other states also require personal injury protection and uninsured motorist coverage. To find out what the requirements are in your state, head to the DMV’s website.

What Does Coverage Mean?

It’s important to learn the lingo when you’re determining what insurance might be best for you. Whether you’re 16 and getting on the road as soon as you’re legally able, or you’ve been living that car-less life for a while, and are only just now getting your license and starting to drive, there’s a lot to understand in order to make sure you can get what you really need to keep your pocketbook safe in the event of injury or collision.

Coverage is just that – what’s covered by your insurance, after you hit your deductible, in the event of the incident that your coverage details. There are a number of different types of coverage. There’s collision coverage, personal injury, liability, uninsured motorist, and comprehensive coverages. What’s covered under each will vary slightly from insurance provider to insurance provider, so make sure to ask questions. Understanding the coverage you’re choosing for your automobile will save a lot of headaches if a collision occurs.

Learn more about Denver’s Accurate Auto Body Shop.

What Determines Your Rate?

What determines your rate is also variable state by state, and some states weigh certain variables more heavily than others. As a baseline, the things that are almost always considered when figuring out your rate are: length of time driving (sorry!), driving record (if you’ve crashed before, or have several citations on your record, your rates will likely be higher), age, and coverage levels (if you have less coverage, or higher deductibles, you are likely to have lower rates, but are open to greater out-of-pocket expenses in the event of a collision). Don’t be afraid to ask what’s being considered when you source quotes from insurance companies. It’s also a good idea to ask what kinds of discounts they offer – some offer discounts for good grades, or for things like being a member of a credit union. You never know until you ask!

Understand Bundling

Sometimes, there are savings to be had if you are in need of different types of insurance and decide to use a single provider for all of them. Ask your insurance provider (or several providers if you’re in quote-gathering mode) what discounts they offer for bundling. The most common bundles often include things like automotive and homeowners, or automotive and renter’s insurance. Look at your situation and determine if bundling might be a good option for you – and if it is, make sure to know what kind of discount you’re dealing with so you can decide if it’s really worth your while.

There’s Always More to Learn

Look, we’re not going to lie. Automotive insurance is complex. These basics will help you get started and feel comfortable having conversations with insurance providers, as well as enable you to be an advocate for yourself with a foundation of knowledge. However, if you find the topic fascinating, there is always more to learn. The DMV website is a great place to dive deeper and start to become your own personal automotive insurance expert, if that’s your thing. And if it’s not, simply making sure you have the right coverage for your peace of mind is really all you need to do.

Auto Insurance Savings and Surprises

Posted on: October 8th, 2018 by Accurate Auto Body Denver No Comments

auto insurance savingsAuto insurance is such a tricky world – especially if you’re navigating it for the first time on your own. Even for some seasoned insurance veterans, it can be confusing to navigation auto insurance savings on your premiums, and what can (unexpectedly or otherwise) cause your rates to go up. Signing on for one rate does not, unfortunately, mean you’re going to be paying that for the rest of the time you carry that policy. There are many things that can impact your premium, and sometimes you can’t even see it coming. Here are some of our guideposts to help you save, even if it surprises you!

Pay Upfront

Believe it or not, if you’re able to pay your insurance all in one go rather than those traditional monthly payments, you might save big. In fact, you can enjoy auto insurance savings of up to 5% by asking for this discount and paying your premium all at once. If you’re worried about budgeting for this, consider setting the monthly amount aside every month so when the next big premium bill rolls around in 6 months, you know you’ll be ready!

Don’t Text and Drive

Insurance agencies are punishing drivers who are caught texting and driving. Policyholders who get caught on this offense see an average of 16% hikes in their insurance premiums – compared to 22% for running a red light, it’s pretty obvious that insurance agencies are cracking down on this behavior and taking it very seriously. Luckily, there’s a pretty easy way to avoid this hike in prices (while avoiding auto body repair, or worse) and keep that money in your pockets – put the phone down when you’re behind the wheel!

Driving Less Might Not Matter Much

There’s an interesting belief that driving more means your insurance rates will be higher, but that isn’t necessarily the case. This rule will vary state by state (for example, in California, it’s a primary factor in determining rates) but if it’s not a priority in your state’s insurance formula, you might not be saving much by hitting the road less.

Watch Out for Extreme Weather

As Coloradans know well, extreme weather can have a negative impact on your insurance. It doesn’t really seem fair, after all, it’s not YOUR fault that hail storm hit while you were out running errands – but it’s been shown that in areas were extreme weather hits, rates tend to rise as a result. Hail damage = increase in claims being made to undo the damage, and an increase in claims = an increase in rates. If you live in an area where hail damage is likely, it might be worth prioritizing covered parking on your list of “wants” and “needs” when it comes to housing decisions.

Non-Driving Factors

We know it’s kind of shocking, but there are factors that have nothing to do with your actions behind the wheel that might contribute to your insurance rate being higher or lower than anticipated. Though there have been legal moves made in some states (like New York) to not allow education or occupation as factors for pricing auto insurance, this isn’t the case in every state. It is possible that your level of education (GED vs. PhD) or your occupation (public servant vs. medical doctor) could impact your rates.

At the end of the day, there are a number of things that can impact your rates, and knowing which ones might save you big, while understanding which ones can cost you huge if you’re not careful can help when you’re making those insurance decisions, and can make justifying the switch a little easier if you’re ever on the fence.