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What's more, your finances won't take too hard a beating if you need to pay for repairs needed after a collision, even if you unwittingly caused the crash.
Insurance premiums try to capture the risk of an individual's claims experience - and there are many factors that influence this risk. Insurance companies try to capture the number and type of claims an individual may have (influencing factors are age, sex, claims history, number of years of driving experience etc), together with the cost of these claims (which include vehicle value and parts prices).
While there's little you can do to change the past, there are steps that you can take to reduce your premium in the future, according to Imperial Auto. However, start by building a relationship with your insurance broker, so that you know and trust them to give you the best advice.