Anyone that is looking for a cheap car insurance quote can enter their Zip Code into the field above to receive quotes from multiple car insurance companies that operate in their area. It is important to compare auto insurance rates from several different insurance companies before making a decision because you can receive different rates from different companies based on the criteria used to determine the price of your policy. Because the formula for the calculation can vary between companies, one company may turn out to be cheaper for the same amount of coverage. Here are some of the factors that will influence your car insurance quotes.
Whether You Are Male Or Female
The sex of the person applying for the car insurance quotes will be taken into consideration when calculating the premium price required for the policy. Studies have repeatedly shown that men are more aggressive drivers than women, so insurance companies charge men higher insurance premiums than women of a similar age with a similar driving record. This can make it seem as if the cheap auto insurance quotes are all for women, but there are other factors at play as well.
Your age also plays a significant part in the amount that you will be paying for car insurance. The youngest drivers are often charged the most because their inexperience and lack of attention makes them a higher risk on the road. Older individuals and seniors are also charged a higher premium due to slower reflexes and a lower attentiveness threshold. There is nothing that you can do about your age when it comes to car insurance quotes. However, you can control other factors that determine how much you will be charged for car insurance.
The Area Where You Live
The area where you live can have a large influence on the price of the quotes in your car insurance comparison. If you live in an urban area with a high crime rate, you will be charged more for car insurance due to the increased risk to your vehicle. If you live in a suburban area and park your car in a garage each night, the risk to your vehicle is diminished and your premium prices will be lower. Prices can vary from state to state and city to city, so the car insurance quotes you receive will be geared towards your particular geographic area. What may be cheap car insurance in one area can be expensive car insurance to someone that lives in a different area.
Your Driving Record
Everyone knows that a driver’s past driving record determines the price paid for car insurance in the future. Drivers that have had multiple accidents or moving violations will be unable to find cheap car insurance as every insurance company will view them as risky. Certain risky behaviors, such as driving under the influence of drugs or alcohol or driving without mandated car insurance, will result in you having to purchase a special type of high-risk insurance for a number of years after the incident. Out of all of the factors that influence your car insurance quotes, your driving record will have the biggest effect.