There are many factors that affect insurance premiums, only some of which you can control. Starting with the ones you can't, know that demographics count. Males pay more than females and the middle-aged pay less than the young or the old (ages 25 and 56 seem to be a significant landmarks). If you want to decrease your rates, it certainly helps to move to a better neighborhood (less theft and/or traffic congestion) or get married (only responsible people tie the knot, right?), but those endeavors come with their own costs.

Although most insurance scams are directed from the insured at the insurer and not the insuree, remember that everyone, to an extent, is in the same boat here. Insurance is one of those deals that philosophers might label "tragedy of the commons": everyone has an incentive to take advantage of the system, but the burden gets passed around to all. In general, an insurance company in financial trouble draws upon its customers to bail it out. And on a more specific level, for example, rising theft or accident rates in your neighborhood make you look like a higher-risk. Now that you have a personal incentive to keep a watchful eye, look out for some of the more common scams.

Every insurance company has their own rates, but it is to be noted that it is not just companies that determines the rates, many outside factors can affect how much you pay on your car insurance policy. This article guides you through: Is driving record is a factor that influences insurance rates? How your personal details and auto insurance rates related? What is the role of your nature of usage of vehicle in fixing insurance rates? Every driver knows that insurance companies set auto insurance rates. However, it is not just companies that determine rates. A number of outside factors can affect how much you pay on your car insurance policy. Understanding these factors can help you get the best auto insurance rates possible:

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While there may be some car insurance companies that will not quote you higher rates, or raise your rates if you already have a policy in effect, for certain traffic offenses in general all auto insurance companies take into account a person's driving record as a rating factor. The drivers' history and motor vehicle record (MVR) is used to determine what type of risk as a driver they are and thus the risk that they are putting the insurance company under to insure them and the vehicle they operate. Moving violations (tickets that a person was convicted of) on a driver's MVR shows that the person may drive recklessly or poorly.

The penalties for this offense are listed under the New York Vehicle and Traffic (VAT) Law Section 511. This section of law is titled Operation While License or Privilege Is Suspended or Revoked; Aggravated Unlicensed Operation.

We are not aware of any law prohibiting a driver from using a two-way radio while operating a vehicle in New York. New York has had a law prohibiting the use of a mobile phone without a hands free device. This cell phone law has been in effect since December 1, 2001. It could extend to radio communications, but the specifics of the law would need legal advice.