What Factors Affect Rates for Auto Insurance in Renton

Find out which details of yours affect rates for auto insurance in Renton.

When you’re looking for car insurance, it can be tempting to reduce your rates by choosing lower amounts of coverage or by raising your deductibles. These are the two most obvious factors that directly affect the rates for auto insurance. You may not realize it, but your auto insurance in Renton is also affected by several other factors – some of which you can’t control, some you can. Knowing what is being assessed by insurers will give you an idea of what to expect, and may help you in choosing the right policy for your needs!

Your Age

Age groups considered a higher risk will undoubtedly pay more for insurance. Even as a very safe 21-year old, the driver will pay more for their auto insurance than a 35-year old simply because of their age. However, there is a sweet spot; those over 35 and under 65 have the benefit of paying less for their insurance than those younger and older.

Your Location

If you’re using the car in a busy urban setting where more accidents occur, the calculated insurance will be higher than if you use it in an area with a lower rate of accidents. Similarly, if you’re in an area where crime is rife, your premiums will be higher.

Your Occupation

Believe it or not, but your profession comes into account when deciding what premium you’ll pay. Certain occupations (police officers, paramedics, etc.) can be seen safer to insure and will most likely receive lower car insurance premiums.

Credit Score

Many insurance companies take your credit score into account when determining their rate. There is no specific point at which your score directly affects your rate, but lower scores generally mean higher insurance premiums.

Vehicle Safety

Owning and driving a vehicle with a high safety rating means that there will be a lower chance of needing to pay out on an insurance policy, therefore, your rate will be lower. Own a car with a poor safety rating? Expect higher rates.

Vehicle Value

The more expensive your car, the more it’d cost to replace if it was written off in an accident. Furthermore, flashy cars are particularly desirable, meaning that there is a greater risk of theft. For both, premiums skyrocket.

Driving History

If you’ve filed any claims in the past five years, you’ve already blotted your copybook. Even if you weren’t at fault for an accident, insurers may raise your premiums. If you’ve got a clean driving history, you may experience lower rates.

Your Miles

The more miles a car covers each year, the longer it will spend on the road, and so increasing the likelihood of it being involved in an accident. How and where the car is driven can play a factor, too. If a car is used for a daily commute and is spending time in rush hour traffic, there is a greater risk of an accident.


Like any insurance, the coverage that you choose will affect your premium. For full coverage, you can expect to pay more than if you were to buy the minimum policy.

If you want to keep your premiums low without sacrificing coverage, contact the professionals at Humble & Davenport Insurance to get started on your optimum coverage! Serving Renton and neighboring cities of Washington, we can help to protect your ride.

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