6 Factors
That Influence Your Car Insurance Premiums
CREDIT HISTORY Although banned in California, insurers may decide to reference your credit history when determining your premium. They cite studies that suggest your credit history can determine your likelihood of submitting an insurance claim, so people with lower credit scores are a greater liability in the insurance company’s eyes. I am sure that California Insurers just use a fancy back door to adjust your rates based on your credit history. AGE The numbers don’t lie. Data shows that drivers under the age of 25 are more likely to get into a crash than any other group — males under 25 in particular. As a result, their premiums are higher. In almost every case, the younger you are, the more you can expect to pay, and the number goes down as you age. Those over 65 traditionally pay the least.
No one likes paying their auto insurance premiums. We do it because it offers us protection out on the open road. There is no way to predict what will happen when we commute, so having insurance is an unfortunate necessity. What we can do is examine how those insurance premiums break down and what factors affect insurance company pricing for each customer. DRIVING RECORD If you’ve been involved in a crash or charged with a DUI, you can expect to pay more. Over time, you can lower your premiums by keeping your driving record clean. Those who have never been involved in a crash won’t pay as much. VEHICLE OF CHOICE The make and model of your vehicle can have a big impact on what you pay every year. Newer, sportier, or higher-horsepower vehicles tend to come with hefty premiums. Cars that emphasize
safety and security are usually paired with much lower premiums. Additionally, vehicles that are more susceptible to theft and have lower safety ratings are costlier to insure. Switching cars may be one of the best ways to reduce insurance costs. LOCATION Insurers charge more for areas where crashes are more common and theft rates are higher. This usually means cities, though there are exceptions. Those who live in more rural areas tend to spend less overall on their premiums. MILEAGE How much and how far you drive is another factor in what you pay. Basically, if you drive more, you can expect to pay more. It comes down to the fact that the more time you spend on the road commuting, the more likely you are to experience a crash.
JUICY LUCY SLIDERS
WORD SEARCH
Inspired by Bon Appétit Magazine
Ingredients
• 2 lbs. ground chuck beef, 20% lean • 8 slices melting cheese (like American, Swiss, Muenster, or cheddar)
• 16 small potato rolls, toasted • Salt and pepper, to taste • Your favorite burger accompaniments
Instructions
1. Divide beef into 16 evenly sized balls. 2. Rip cheese into roughly equal pieces, creating 16 equal portions. 3. Using your index finger, create a small indentation in each ball. 4. Fill indention with cheese and pinch meat around to seal. Then gently form balls into 3/4-inch-thick patties. Season patties. 5. Meanwhile, heat a cast-iron skillet to medium-high. 6. Lightly coat skillet with oil and cook patties in batches. Brown one side undisturbed, about 3 minutes. Carefully flip and cook until desired doneness, about 3 minutes for medium. 7. Serve on toasted potato rolls with your favorite accompaniments.
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SANDALS SKEWERS
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