If you've just purchased a brand-new car, you know that the next important step is to secure the vehicle with insurance. However, before you get car insurance, it's important to learn about the factors that can cause the rates to go up.

Here are the 4 things that influence car insurance rates:

1. Gender, Age, and Marital Status

Generally, young men have higher rates than young women. Similarly, married people are thought to be involved in fewer road accidents than single people, so you can get better insurance rates if you are married.

2. Location

If you live in a city, particularly in a dense neighborhood, your insurance rates will increase because of the higher probability of accidents.

3. Driving History

If you are involved in more accidents, you are likely to get a higher rate. Some insurance agencies won't look for your past driving history. If your recent driving history is clean, you can be able to get a good deal. Your insurance carrier may also offer an accident forgiveness loan, which lets you get away with one accident without affecting your auto insurance rates.

4. Vehicle Type

Larger cars are safer in accidents than smaller ones. Moreover, the higher the safety rating of your vehicle, the less likely it will suffer an accident. You will get a better deal if your car includes safety features, such as airbags, automatic seat belts, and traction control. Since the owners of red-colored cars tend to be reckless drivers, they may have to pay more insurance. If you purchase a second-hand car, your car insurance costs will be higher. The agency will inspect the service records of the vehicle to make sure it is fit to drive on the roads, but will still offer lesser coverage. These are some of the most significant factors that influence your auto insurance rates. If you have additional questions about your car insurance coverage, contact the experts at East End Insurance Agency today. We are ready to offer assistance for all your insurance needs.