I think that ads that tell you to get a free instant car insurance quote are a little misleading. You can get a list of the most competitive insurance companies in your state or town with a couple of clicks, and they will probably deliver a ballpark estimate of your premium. However, you know that auto insurance premiums depend upon a lot of factors. In order to make sure you are getting the best plan and rate for your own individual situation, you probably need to supply a bit of detail.
Now do not panic. You can still use an online quote form that only takes a couple of minutes to fill out. And you do not need to give any really personal information like a social security number in order to get an accurate price estimate.
Look at some of the main things that insurers consider when they calculate your bill.
Of course, your driving record matters. All other things being equal, a driver who has not had any recent accidents or traffic tickets will certainly get a lower rate than a driver with multiple accidents or tickets! Some insurers will forgive an infrequent accident or ticket though. And driver safety courses may earn you a discount which will offset a rate increase for that fender bender you had last month.
Your age matters too. Young drivers do not have a long driving record of their own, and so insurance companies lump them together as a higher risk group. But an accredited driver's education course can earn a discount. Students who are new drivers may also be able to get a discount by keeping up a B average in school too.
The type of car you drive can affect your premium rate. High horsepower sportscars are more likely to be involved in large claims than sedate family cars. Insurers will price their coverage according to their claims record by the type of car. If you plan to buy a sports car, you need to consider the price of your coverage when you think about your budget.
But auto safety features and anti-theft devices can help you lower those rates. Many people assume that newer cars will cost more to insure than older cars, but that is not always true. If the insurer believes that the car is safer and less vulnerable to theft, they may charge less to cover the car!
Of course, your local area also matters. In general, car insurance premiums are higher in large metro areas, and they are less in rural areas. The way you drive your car will also affect your premium. If you are a salesman who drives 5,000 miles a month for your business you will probably get a higher bill than a housewife who only drives to the store a couple of times a month.
In order to compare auto insurance quotes before you buy a policy, you need to decide how much information you want. If you are just browsing, you may just want an instant online company comparison. If you are ready to buy now, then you probably want to take the time to get a more accurate and personal quote.
You choose! Get an instant online car insurance company comparison, or take a few minutes to get fast detailed car insurance quotes. So go ahead and Compare Car Insurance Rates By State with our choice of quoting systems. |
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