When you are looking for the best auto insurance for you and your family there are a lot of variables that need to be considered. No doubt you want to find the best policy for the best price. One of the first things that you need to do is find the exact coverage that you would like. Once you have the coverage that you want noted, you should start looking for the company that is going to be able to provide that to you for the very best price. While you are looking for the best rates, you need to know that there are different variables that are going to affect your rates. Here are just a few variables that will affect your auto insurance rates.

Credit

Many people do not realize that your auto insurance company is going to check your credit. They will use that credit score to determine what you rate will be. The higher the score the better your rate will be. A credit score is simply how a lender look at how big a risk that you are. They feel that if your score is low then you are a high risk, and that you may not pay for your insurance on time. So, if your score is low you may want to consider working on your credit, and then shopping for insurance again when your score increases. 

Driving Record

The company that is going to be covering you is going to want to see a clean driving record. Once again insuring you is going to be a risk, and your rates are going to be dictated by how much of a risk this company thinks you are going to be. If they feel that you are a high risk then they are going to want to be compensated for that risk. However, if you are not a risk then they can feel good about not charging as much. 

Your Car

If you are driving around a sedan or an SUV your insurance is going to be a little lower than if you are driving a candy apple red sports car. An insurance company once again sees these things ask risks. They know that you are much more likely to be caught speeding in a sports car than the sedan. An auto insurance company is going to look at you and your statistics as facts and those facts are going to point to either being a risk or not. 

For more information, visit websites like http://www.village-insurance.com.