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What Are Car Insurance Quotes Based On?

Ever wonder what your car insurance quote is based on? Why you always seem to get quoted high while your friend enjoys rock bottom rates? What's that all about? An auto insurance quote is not based on a single item, but instead is made up of a combination of a number of factors. Once you know what you are being judged on, its sometimes possible to make some changes that will result in a lower car insurance quote the next time you call for one.

1. The make and model of your car.

The type of car you drive comes into play with your car insurance quote. Car insurance quotes are typically higher for sports cars, new cars or luxury cars. Less expensive car insurance quotes are typical for older cars and sedans. Check with your insurance company to see what kinds of cars they offer lower rates for. If you want to lower your car insurance quote, it may be time to trade in your car for one you can get a lower rate with.

2. Your age.

Car insurance quotes always take into account the applicants age. There is no getting around it, if you are younger, you pay more. This is because new driver's are considered more risky. You can expect higher car insurance quotes if you are under 25, and especially if you are male.

3. Your driving record.

It makes sense that your driving record would come into play with your auto insurance quote. Good driving records will result in lower rates. If you have not had any accidents or tickets in the past 7 years, you can expect a lower quote. A large amount of traffic violations or accidents on your record, however, is sure to result in a higher than normal car insurance quote.

4. How many miles you drive every day.

When calculating your car insurance quote, the agent will often ask you to estimate how many miles a day you drive. This is because the more time you spend on the road, the more likely you are to be in an accident at one point or another. If you take the bus or ride a bike to work, be sure and mention it to the agent to get a lower car insurance quote.

5. Your car's safety features.

The safety and security features on your car will also determine how low, or high, your car insurance quote is. If your car has a high number of safety features, such as a car alarm, you could end up qualifying for a lower car insurance quote. You can also ask your agent what types of security and safety features your insurance company offers discounts for.

6. Your payment option.

When you purchase an insurance policy, you will be given a few payment options. If you pay for the entire policy at once, your rate will be lower than if you break it up into several payments. For the cheapest car insurance quotes, pay upfront in cash.

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