subject: Car Insurance Quotes Simplified [print this page] Car Insurance Quotes Simplified
Whether you have recently bought a car, are looking to buy a new car, or are looking to change your insurance company you have found yourself on the internet looking for information on car insurance quotes. Well you have come to the right place, especially if you are looking for which factors affect your car insurance quote. Getting a car insurance quote is not such a mammoth task and can be done with a few minutes. You can obtain a car insurance quote online, either from an insurance company or by going to a comparison site and getting multiple quotes. In this article however we will not be looking into how to obtain a car insurance quote but rather which are the factors which affect your insurance quote.
A car insurance quote is determined by the information you fill in when completing the insurance form. This is the only basis on which an insurance quote can be obtained.
These are some of the factors which affect your car insurance quote:
The very first factors which affect your quote cannot even be changed yet you need to be aware of. These factors are; your age and your gender. People who are more matured are seen as being more responsible and less likely to take risks than younger people. Also females will pay lower insurance premiums for the same reason, because although males are thought of as more skilful drivers they are more likely to take more risks on the road.
Is your model of car more likely to get stolen? Do you know that the model of your car also affects your premiums. Thieves target certain cars because their parts are either easy to dissemble to be sold or so that when they steal the car they can change the parts so that the car cannot be identified by the police.
Factors which determine quotes would be the actual vehicle. The vehicle model, and how old the car is will affect your car insurance quote , and another factor to consider is how many people will drive the vehicle and what are their particulars.
Speeding fines and accident records affects the quote drastically so make sure that you keep your record clean by driving safely.
When you opt to pay a higher excess amount in the event of an accident you will pay less on your monthly premiums. This is the quickest way to lower your monthly premiums, as you become liable for more of the costs in the event of an accident. Save this difference in money for a year so in case of an accident you will have the cash on hand to pay.
If you currently have household insurance or other insurance from a particular company then you should consider taking out car insurance from them as well, as many places will offer you a discount on your car premiums if you already have insurance with their company.
Remember the best way to ensure you get the best deal is to get multiple quotes and compare them to get the best coverage and price.
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