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What Determines the Price of My Auto Policy?

1. YOUR DRIVING RECORD - THE BETTER YOUR RECORD, THE LOWER YOUR PREMIUM.

2. THE NUMBER OF MILES YOU DRIVE A YEAR - THE MORE MILES YOU DRIVE, THE MORE CHANCES FOR ACCIDENTS. IF YOU DRIVE A LOWER THAN AVERAGE NUMBER OF MILES PER YEAR, SOME COMPANIES WILL GIVE YOU A DISCOUNT.

3. WHERE YOU LIVE - INSURANCE COMPANIES LOOK AT LOCAL TRENDS, SUCH AS THE NUMBER OF ACCIDENTS, CAR THEFTS AND LAWSUITS, AS WELL AS THE COST OF MEDICAL CARE AND CAR REPAIR.

4. YOUR AGE - IN GENERAL, MATURE DRIVERS HAVE FEWER ACCIDENTS THAN LESS EXPERIENCED DRIVERS. INSURERS GENERALLY CHARGE MORE IF TEENAGERS OR YOUNG PEOPLE BELOW AGE 24 DRIVE YOUR CAR.

5. THE CAR YOU DRIVE - SOME CARS COST MORE TO INSURE THAN OTHERS. VARIABLES INCLUDE THE LIKELIHOOD OF THEFT, THE COST OF THE CAR, THE COST OF REPAIRS, AND THE OVERALL SAFETY RECORD OF THE CAR


Category: Vehicle Insurance