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Surprising factors can affect your car insurance rates.

Brought to you by Mike McBride, Farmers Insurance - Insurance INSIDER -

Mike McBride, Farmers InsuranceIt makes sense that factors such as what kind of car you drive, how many miles you put on it annually, and whether or not you've ever been in an accident could affect your car insurance rates. But one that you might not have thought of is whether you use your cell phone while you drive.

In a 2011 Centers for Disease Control survey, 69% of U.S. drivers between the ages of 18-64 said that they had texted or talked on their cell phone within 30 days of being surveyed. Distracted driving is becoming a public health hazard, and increases in accidents are causing automobile insurers to raise premiums. If you want to continue paying lower premiums, put down the phone!

And if you've recently moved and need both an apartment and car insurance, you may want to consider the order in which you acquire them. Every time someone runs your credit score, it lowers your score, and the lower your score, the higher your insurance premiums will be. Farmers Insurance does an insurance credit score when we start a new auto policy, and it will not lower your credit score.

One method to reduce your rates is to carry a higher deductible. "Statistics show that you may go ten years before you have any loss at all," said Insurance INSIDER Mike McBride. "Insurance should be for major claims that would create financial hardship. If you're going to turn in a claim, make sure it is at least double your collision deductible."

FARMERS INSURANCE

Mike McBride Agency

1548 E FIRST ST., NEWBERG, OR 97132

503.538.8898

agents.farmers.com/or/newberg/michael-mcbride