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When insurance companies offer an auto insurance rate, many people wonder exactly what they are looking at when they offer it. Do they only look at driving record? Of course they do not. They look into a lot of different things when they determine rates, so be aware of what they are looking for. Nearly everything plays into auto insurance rates. Where a person lives plays a big part into insurance rates. If you are living in a big city where there are a lot of people driving around all of the time, chances are that you are going to have higher rates than someone living in a rural area where there is not much traffic. This is because there is a higher probability that an accident might occur. Your driving record is probably the biggest factor that plays into your insurance rates. If you have had a ticket, a moving violation, a DUI, or anything that goes on your permanent driving record, your insurance rates are certainly going to be a lot higher than someone who has never gotten into any sort of trouble with the law. However, there are certain Oregon auto insurance companies that offer accident forgiveness to people who get into their first accident. The type of vehicle that a person drives also plays into auto insurance rates. Those customers who drive low end vehicles will have lower auto insurance rates because it will cost less to fix a cheaper car. The opposite is also true. This is definitely something that a car buyer should consider when shopping around for vehicles. Fox Insurance Agency is a Oregon auto Insurance offers almost all types of personal insurance including auto, homeowners, renters, dwelling fire, motorcycles, recreational vehicles, flood, life, health and disability. (http://www.foxinsurance.com)
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