Endorsements should be purchased only if the coverage is needed, and unavailable from other sources at a better price. For example, many believe joining an auto club is a better value than a towing expense endorsement. The cost of auto insurance depends in part on whether the insured is considered to have a relatively high or low probability of being involved in an accident. Factors considered by insurers when categorizing drivers and determining premiums include age, gender, and marital status. Individuals over age 25 are less likely to be involved in an accident than younger drivers.
Women have fewer accidents than men, and married drivers have fewer accidents than single drivers.
Some insurers give discounts for completing defensive driver or driver education courses. Repair expenses can vary widely, even among vehicles that have comparable original purchase prices. Daily commuters in densely populated urban areas pose a higher risk than occasional drivers in rural areas. Those who purchase their homeowners and auto policies through the same company generally receive preferred rates. Current coverages , for excess or overlapping coverage.