{"id":4020,"date":"2021-07-16T09:00:06","date_gmt":"2021-07-16T09:00:06","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=4020"},"modified":"2026-05-21T11:52:15","modified_gmt":"2026-05-21T11:52:15","slug":"factors-that-raise-insurance-premiums","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/factors-that-raise-insurance-premiums\/","title":{"rendered":"6 cosas sorprendentes que pueden aumentar el costo del seguro"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">La cobertura de seguro bien vale el dinero si alguna vez tiene un accidente o se encuentra en otra situaci\u00f3n en la que tiene una gran necesidad financiera. Sin embargo, ver c\u00f3mo aumentan sus tarifas a\u00fan puede ser frustrante. Las tarifas de los seguros est\u00e1n determinadas por muchos factores diferentes. Su edad, historial de manejo y otras caracter\u00edsticas personales se consideran cuidadosamente antes de recibir una cotizaci\u00f3n. Prestar atenci\u00f3n a estas seis razones por las que aumentan sus tarifas lo ayuda a estar preparado cuando obtiene una cotizaci\u00f3n o recibe un estado de cuenta de renovaci\u00f3n.<\/span><\/p>\n<h2>1. Tiene un puntaje de cr\u00e9dito bajo<\/h2>\n<p><span style=\"font-weight: 400;\">Los puntajes de cr\u00e9dito fluct\u00faan con el tiempo. Las compa\u00f1\u00edas de seguros utilizan su puntaje de cr\u00e9dito para determinar su capacidad de pago a tiempo. Tambi\u00e9n pueden usar la puntuaci\u00f3n para evaluar su nivel general de responsabilidad. Es menos probable que alguien que paga sus cuentas a tiempo tome decisiones arriesgadas. Si su puntaje ha disminuido, esto podr\u00eda explicar las tasas m\u00e1s altas. Lograr que su puntaje vuelva a la zona buena puede ayudarlo a obtener tasas m\u00e1s bajas en el futuro.<\/span><\/p>\n<h2>2. Su c\u00f3digo postal cambia<\/h2>\n<p><span style=\"font-weight: 400;\">Si se ha mudado recientemente, es posible que vea aumentar sus tarifas. Esto es especialmente cierto si te mudaste a un \u00e1rea urbana o muy poblada. Las compa\u00f1\u00edas de seguros saben que es m\u00e1s probable que ocurran accidentes cuando hay m\u00e1s personas en las calles. Esto tambi\u00e9n podr\u00eda afectar sus tarifas si se muda a un \u00e1rea conocida por tener altas tasas de criminalidad que involucran da\u00f1os a viviendas o veh\u00edculos. Los c\u00f3digos postales que est\u00e1n en riesgo de desastres naturales tambi\u00e9n pueden tener una mayor <\/span><a href=\"https:\/\/altrainsurance.com\/homeownwers-insurance-san-diego\/\"><span style=\"font-weight: 400;\">Seguro para propietarios de casas<\/span><\/a><span style=\"font-weight: 400;\"> tarifas.<\/span><\/p>\n<h2>3. Aumentas tu kilometraje anual<\/h2>\n<p><span style=\"font-weight: 400;\">Es posible que no haya conducido mucho cuando obtuvo su primera p\u00f3liza de seguro de autom\u00f3vil. Ahora, es posible que est\u00e9 viajando por trabajo o simplemente tenga un viaje diario m\u00e1s largo. Las compa\u00f1\u00edas de seguros consideran que el mayor tiempo en la carretera es un factor de riesgo de accidentes. Por lo general, este aumento de la tasa es bastante m\u00ednimo, pero puede notarse si conduce distancias extremadamente largas.<\/span><\/p>\n<h2>4. Ha tenido su p\u00f3liza durante mucho tiempo<\/h2>\n<p><span style=\"font-weight: 400;\">Las tasas de seguro aumentan naturalmente con la tasa de inflaci\u00f3n. Sin embargo, hay algunos casos que hacen que aumenten m\u00e1s r\u00e1pido. Por ejemplo, es posible que su vecindario haya tenido una gran explosi\u00f3n demogr\u00e1fica o que haya nuevos peligros en el medio ambiente. Las compa\u00f1\u00edas de seguros tienden a tener tarifas est\u00e1ndar para ciertas \u00e1reas y las suyas pueden ser diferentes si su comunidad ha cambiado sustancialmente.<\/span><\/p>\n<h2>5. Agrega un hombre a su p\u00f3liza<\/h2>\n<p><span style=\"font-weight: 400;\">La discriminaci\u00f3n de g\u00e9nero est\u00e1 mal en la mayor\u00eda de los casos, pero las compa\u00f1\u00edas de seguros est\u00e1n legalmente autorizadas a hacer ajustes en las tarifas seg\u00fan seas hombre o mujer. Esto se debe a que las tarifas de los seguros suelen estar determinadas por sus factores de riesgo. Los hombres menores de 25 a\u00f1os tienden a tener las tasas m\u00e1s altas. La buena noticia es que esto tiende a equilibrarse una vez que los hombres llegan a los 30 a\u00f1os.<\/span><\/p>\n<h2>6. Acabas de comprar un auto nuevo<\/h2>\n<p><span style=\"font-weight: 400;\">Your old trustworthy four-door vehicle with safety features is going to cost less to insure than a brand-new two-door sports car with a powerful engine. The type of car you own matters when it comes to rates. If insurance costs are a major concern, it\u2019s often worth giving your company a call to get an estimate before you buy a new vehicle.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Comprender c\u00f3mo los factores enumerados anteriormente afectan las tarifas de su seguro puede ayudarlo a planificar para que pueda ahorrar dinero en los costos de su seguro. Para obtener un seguro asequible y confiable, los propietarios de viviendas en San Diego saben que pueden confiar en Altra Insurance Services. Proporcionamos a los propietarios de viviendas, inquilinos, comerciales, motocicletas y <\/span><a href=\"https:\/\/altrainsurance.com\/auto-insurance-chula-vista\/\"><span style=\"font-weight: 400;\">Auto insurance Chula Vista<\/span><\/a><span style=\"font-weight: 400;\">. Solicite una cotizaci\u00f3n gratis llamando a uno de nuestros amigables agentes hoy al (800) 719-9972.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>La cobertura de seguro bien vale el dinero si alguna vez tiene un accidente o se encuentra en otra situaci\u00f3n en la que tiene una gran necesidad financiera. Sin embargo, ver c\u00f3mo aumentan sus tarifas a\u00fan puede ser frustrante. Las tarifas de los seguros est\u00e1n determinadas por muchos factores diferentes. Su edad, historial de manejo y otras caracter\u00edsticas personales se consideran cuidadosamente... <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/altrainsurance.com\/es\/factors-that-raise-insurance-premiums\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;6 Surprising Things that Can Increase the Cost of Insurance&#8221;<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":4021,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[15],"tags":[],"class_list":["post-4020","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>6 Things You Didn\u2019t Know Could Raise Your Insurance Rates<\/title>\n<meta name=\"description\" content=\"A variety of factors affect how much you pay for insurance. 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Learn some of the more surprising things that can result in an increase in your insurance rates.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/altrainsurance.com\/es\/factors-that-raise-insurance-premiums\/","og_locale":"es_ES","og_type":"article","og_title":"6 Things You Didn\u2019t Know Could Raise Your Insurance Rates","og_description":"A variety of factors affect how much you pay for insurance. 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