Auto insurance companies do not just look at your vehicle when determining your premium; they also look closely at you as an individual and a driver.
#1 Your Age
Your age has a big impact on your insurance rates. Teenagers and young adults face higher insurance rates, with the magic age to start getting an age-related discount at being 25. That discount for age will not last your entire life. As you start to advance in your years, you may start to see an increase in your premium again, as older drivers are considered a little bit more of a risk to insure than middle-aged drivers.
If you are a small insurance agency, you may be worried about what you can do in order to keep your small agency going and maybe even growing, if at all possible. One of the things that you might do is to join an insurance network. Before you make the decision as to whether or not you are going to join a network, you need to know what some of the benefits are so that you can decide whether or not they work for you.