Different factors affect your car insurance premium this is based on the risk for a certain population. Therefore you will pay higher premium if a person is associated with the higher risk. If you know what factors affect your car insurance, you will get a better chance of getting cheap motor insurance.
Age-young drivers under the age of 25 has a higher risk of being involved in an accident compared to experienced drivers above this age group.
Gender-women drivers are tend to be safer than men
Geography-The place where you live matters when it comes to car insurance. A person who lives in a place where there is a little or no traffic is likely to get affordable motor insurance than those living in suburbs. If you live in an area that has a high automotive thefts that may cause higher vehicle insurance premium for you.
Type of Vehicle-You will get expensive car insurance for sport car
Driving Violation-having multiple traffic infraction (speeding tickets, DWI, reckless driving, etc.) on your driving record, the higher auto insurance premium you will get
Driving Experience
Mileage
Safety Device features- this can save you on your motor insurance rate
You may shop around and compare motor insurance quotes from various auto insurance companies. There are various auto insurance sites online that place insurers on one site so it would be easier for you to compare car insurance quotes. Auto insurance companies base their motor insurance on their claims experiences, which naturally differ. Some insurance provider may see your location as a higher risk than others may. Some insurance companies may charge more due to the nature of your work. So it is best to shop and see which car insurance provider suits your needs.
Age-young drivers under the age of 25 has a higher risk of being involved in an accident compared to experienced drivers above this age group.
Gender-women drivers are tend to be safer than men
Geography-The place where you live matters when it comes to car insurance. A person who lives in a place where there is a little or no traffic is likely to get affordable motor insurance than those living in suburbs. If you live in an area that has a high automotive thefts that may cause higher vehicle insurance premium for you.
Type of Vehicle-You will get expensive car insurance for sport car
Driving Violation-having multiple traffic infraction (speeding tickets, DWI, reckless driving, etc.) on your driving record, the higher auto insurance premium you will get
Driving Experience
Mileage
Safety Device features- this can save you on your motor insurance rate
You may shop around and compare motor insurance quotes from various auto insurance companies. There are various auto insurance sites online that place insurers on one site so it would be easier for you to compare car insurance quotes. Auto insurance companies base their motor insurance on their claims experiences, which naturally differ. Some insurance provider may see your location as a higher risk than others may. Some insurance companies may charge more due to the nature of your work. So it is best to shop and see which car insurance provider suits your needs.
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