One of the factors that can affect the quote you get happens to be your gender. Of course, this is not something that you can change. Statistics show that women usually drive safer, which means that they'll often get a lower rate on their insurance.
Factor #2 - Your Age
Another factor that may affect your car insurance quotes is your age. In most cases, drivers that are younger than age 25 pose more of a risk to the company, which is rates for those under 25 are often higher. As people get older, usually they begin paying less for the coverage that they need for their vehicle.
Factor #3 - Driving Record
Of course, insurers are definitely going to take a look at your driving record and this is sure to be one of the things that affects what you'll pay. If you have moving violations in the past, such as speeding tickets or tickets for running red lights, the company will see you as a higher risk to their company. Companies usually look at the past five years of your driving record. Even if you had a ticket in the past, the further in the past it goes, the cheaper the premiums will become.
Factor #4 - Your Location
You'll actually find that your location can make a difference in the car insurance quotes you get as well. If you live in a low population area, you are less likely to have a vehicle accident so you'll lower deals on your plan. Those who live in areas of high population, like busy cities usually will be quoted higher rates, since there is a higher risk of an accident. Living in a neighborhood that has a high rate of vehicle thefts can also raise what you pay for insurance.
Factor #5 - The Type of Vehicle You Have
It's a good idea to think twice before you buy that flashy sports car. You see, the type of vehicle you have is another factor that insurers look at. If you have a cheap car, you'll pay less. If you have a safe car, you'll pay less. However, vehicles that are expensive, often stolen, or that have a high rate of accidents will end up costing you.
Factor #6 - Past Claims
Past claims will also be taken into consideration. If you have made claims for accidents in the past, especially within the past five years, you pose a risk and will see higher premiums on the coverage that you need.
Factor #7 - Your Credit Rating
Last, your credit rating is a big factor, especially if you are paying on a payment basis. Many companies think that people with bad credit are higher risk drivers, so they'll end up giving you high car insurance quotes.
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