subject: About How Much Is Car Insurance [print this page] Car insurance is a necessity for drivers of all ages. Whether the policy is taken out for the purpose of having full coverage or simply for liability, finding a company that has reasonable premium rates is possible. About how much is car insurance? The answer to this question will depend on a number of different aspects.
Age of the driver: The younger the driver, the more the monthly premium amount will be. Teens are the most expensive to insure and males are even higher than females. As the person listed on the policy gets older, the monthly cost usually goes down in price. Men are often considered to be high-risk drivers until they reach the age of 25, then their premium amount will go down considerably.
Type of car: Older cars and fast sports cars tend to be the most costly to insure. Newer vehicles usually come with safety features that older cars don't have, which provides policy holders with the opportunity for additional discounts. Certain features that are considered to be worthy of a discount from the insurance company include; air bags, automatic seat belts, anti-lock brakes, and anti-theft devices.
Past driving history: When an inquiry is made about coverage for a vehicle, the insurance company will check to see if the driver has had any recent accidents, DUIs, parking tickets, or any other type of traffic violations. The cleaner the record, the lower the monthly rate will be.
Policy being taken out: Liability is the lowest type of coverage available through insurance companies that most states allow. When the policy holder is at fault for an auto accident, liability coverage will help pay for damages to the other party's vehicle or property. Taking out full coverage, which will help to pay for damages to the policy holder's property, is going to cost quite a bit more.
Additional reasons: The cost of car insurance will also depend on the company it is purchased with, the number of vehicles and drivers on the policy, if there has been any lapse in coverage, or if any special driving courses have been taken.
1. Car insurance companies usually charge different prices for the same type of coverage.
2. The more people and cars listed on a policy, the higher it will be.
3. A lapse in coverage will bump the price up considerably.
4. Discounts are often given to drivers who have completed certain driving courses.
So, about how much is car insurance? The best way to find out for sure is to contact a few different insurance companies and get a quote from each one on the type of coverage you are looking for.
by: Lance Thorington
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