As consumers, we tend to prefer vehicles with good reputations when it comes to safety and reliability. We’d want something that would protect ourselves from danger in the event of a crash or a collision. If worse comes to worst, many of us would probably prefer our vehicles totaled, if it meant saving our life. However, when it comes to car insurance, this, of course, comes at a premium.
If you’re wondering why car insurance rates have increased these days, then you must be aware that these rates are based on numerous factors.
Factors that Affect Car Insurance Rates
When computing for rates, insurance companies adapt complex algorithms to determine the amount to charge to every client. It’s not 
* Credit Score
* Driving History (includes your years of driving experience and traffic violations committed)
* Insurance History
* Insurance Claims History
* Vehicle Driven (includes your car’s make, model, model year, body style, and trim level)
* Amount and Type of Driving You Do
* Others
While additional car safety features such as cruise control, traction control, and electronic stability control are some of the factors in calculating rates, there are so many more factors that goes into computing insurance rates.
The Real Cost of Collision Repair
Insurance companies, just like any other business have one goal—and that is to make a profit. This is the reason why they adjust their rates on a regular basis to ensure that they are gaining money—or at least never losing a single penny.
Fast forward to today, there isn’t a vehicle made that doesn’t come with safety features such as anti-lock brakes and airbags. These features have become default in cars, regardless of its make and model. It will be very difficult for you to find a vehicle these days that doesn’t have sensors, backup cameras, auto-braking systems, and so much more. Of course, all these high-tech conveniences come at a price. When these get damaged, it will cost way more money to repair the vehicle and technology, as well as to re-adjust it to ensure proper function.
But, here’s the deal. The problem isn’t so much that your vehicle isn’t as costly to repair—it’s vehicles in general. Insurance rates adjust for the entire insured car population. So, this means, even if you haven’t made a claim, you still have to pay more to counterbalance claims from others.
Safety Features are not Enough
If you think it’s all about safety features, then think again. You would think that having all these safety features in your car means that 
Car Collision Repair in Santa Barbara County
Increased insurance premiums are a small price to pay if you need collision repairs. They are still a whole lot easier on the pocket as compared to shelling out cash to have your vehicle fixed.
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