What affects a car insurance quote?

A wide variety of things can affect a car insurance quote. That’s why car insurance is not a one sizes fits all kind of product. You must get a personalized car insurance quote that takes your individual information into account.

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Some of the things that affect your car insurance quote are controllable, including:

• your driving record
• the type of car you drive
• the number of miles you put on your car
• your credit history
• the coverage you choose

Some of the uncontrollable things that impact your car insurance premium include the following:

• your age
• gender
• where you live

Understanding how they work together to impact the price you pay may help you in the choices you make.

Things You Can Control Affect a Car Insurance Quote

Your driving record, and the driving records of those in your household, is perhaps the most significant factor affecting your car insurance quote.

If you have infractions, accidents, and convictions that are less than three years old on your driving record, your insurance rates will be higher than those of a driver with a clean driving record.

The higher the number of issues with your record and the more serious those issues, the higher your rates will be.

The type of car you drive affects your car insurance quote:

• If your car is new, has a high value, is costly to repair or is a sports car, you will pay higher car insurance premiums.
• Older vehicles, those with low values, ones that are inexpensive to repair and traditional vehicle models are less costly to insure.

Read more: Does the age of a car affect car insurance rates?

Getting a quote for your vehicle will tell you more. In fact, prior to purchasing a car, it is wise to get a quote for insuring it. Such information may make you think twice about purchasing certain vehicles.

Your credit history can impact your car insurance quotes. It has been proven that those who have poor credit histories are more likely to make insurance claims than those who have a good credit history.

The number of miles you put on your car annually affects your car insurance quote. This is a simple matter of risk. The more miles your vehicle gets each year, the higher the chance that you will be involved in an accident.

Therefore you must be charged accordingly for the risk presented by higher amounts of driving.

The coverage you choose will affect your car insurance quote. If you carry the state minimum mandated coverage your quote will be much lower than someone who carries full coverage.

However, state minimums are always lower than the industry recommended standards. To adequately protect yourself, be sure you opt to carry liability limits of at least:

• $100,000 per person for bodily injury
• $300,000 per accident in total for bodily injury
• $100,000 per accident for property damage

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Things You Can’t Control Affect a Car Insurance Quote

Your age and your gender affect your car insurance quotes, sometimes to a great degree. If you are under the age of 25, you will find that car insurance is very high. If you are a male under that age, the prices are often astronomical.

Conversely, with age, premiums decrease. In fact, many insurers offer discounts for everyone in a household being over a certain age and for senior citizens. Where you live impacts your car insurance quotes because it contributes to whether or not you are at high risk of theft, vandalism and even car accidents.

If you live in a densely populated city, you are more at risk for all of these things than if you live in a rural area. This means you are therefore more likely to make claims.

Get Car Insurance Quotes Now

Car insurance quotes vary greatly from one insurer to another. This is because each company treats the factors that affect car insurance quotes differently. One company may put a lot of weight on one of the factors where another company will not.

For this reason, you must shop around and choose from a variety of quotes before making your decision on car insurance coverage in order to get the best deal possible.

In order to get those car insurance quotes quickly and easily, to make the business of comparing easy, opt to use the online quote tool.

You simply start by inputting your zip code and you will be prompted to give the remaining necessary information. The free quote tool will then submit your information to multiple insurers serving the area in which you reside.

Before you know it, you will have the quotes you need to compare, contrast and choose your car insurance wisely.

Get car insurance quotes by putting your zip code into the rate tool now!

Case Studies: Factors Affecting Car Insurance Quotes

Case Study 1: Commuting Distance

John and Sarah are both 30 years old and have similar driving records. However, John commutes 50 miles each way to work, while Sarah only drives 5 miles to her workplace.

When they obtain car insurance quotes, John receives a higher quote due to his higher annual mileage and increased exposure to potential accidents during his long commute.

Case Study 2: Neighborhood Safety

Amy and David live in different neighborhoods in the same city. Amy resides in an area with a high crime rate and frequent incidents of theft and vandalism. In contrast, David’s neighborhood has a lower crime rate and is considered safer.

Despite having similar driving records and vehicle types, Amy receives a higher car insurance quote due to the increased risk associated with her neighborhood.

Case Study 3: Age and Experience

Emily is a 19-year-old college student who recently obtained her driver’s license. Meanwhile, Mark is a 35-year-old with over 15 years of driving experience.

Even though they both have clean driving records and drive the same type of vehicle, Emily receives a significantly higher car insurance quote due to her age and limited driving experience, as younger drivers statistically have a higher risk of accidents.

Case Study 4: Vehicle Safety Features

Lisa and Michael both own SUVs, but Lisa’s vehicle is equipped with advanced safety features such as collision avoidance and lane departure warning systems, while Michael’s SUV lacks these features.

As a result, Lisa receives a lower car insurance quote since her vehicle’s safety features reduce the risk of accidents and potential insurance claims.

Case Study 5: Prior Insurance Claims

Alex and Jessica have similar driving records and live in the same neighborhood. However, Alex has made multiple insurance claims for accidents and vehicle damage in the past, while Jessica has a clean claims history.

When they request car insurance quotes, Alex receives a higher quote due to his higher likelihood of making future claims based on his past claims history.

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