0
Car insurance companies use many different factors to determine your car insurance rate. Not everyone gets the same rate even if they have the same insurance company. If you are paying to much for insurance these or some of the main factors that effect your rate:
1. Your driving record. Violations on your driving record will make your insurance rates go up. These would include moving violations and At Fault accidents.
2. Your age and gender. Rates are higher based on your driving experience. The younger you are, most likely that your rates will be higher. Also rates for young males tend to be higher.
3. Where you live. Insurance companies rate different zip codes differently based on many other factors. Some areas have higher rates.
4. Your vehicle coverages. Rates are different for different cars and coverages. Ask your insurance company about your coverages and how they effect your rate.
5. Miles. Rates are also based on annual miles, if you don't drive to much you can get a lower rate.
6. Discounts. Are you getting all discounts? Insurance companies offer many discounts so ask if you qualify for any. Some are multi-car discounts, multi-policy discounts, good student discount, affinity group discounts, and other discounts.
Overall review your policy to see what you actually have and feel free to shop around. Call other insurance companies and see if they can offer you a lower rate. Different insurance companies offer different rates for your situation, so shop around to get the best car insurance rates.
Wiki User
∙ 9y ago
Add your answer:
Earn +20 pts
What is RAC car insurance and is it necessary?
RAC car insurance is a type of car insurance in the UK. They offer high quality insurance with a high level of professionalism. They offer the best rates in the area.
Is a 2013 camaro a sports car or muscle car?
Insurance companies consider it muscle. The price of insurance is high with a car of this sort.
Does car insurance goes high if the car is owned by a teenager?
Yes.
Are the car insurance in Texas are high?
Texas car insurance rates can tend to be a bit high. You have to do research to find the cheapest and most affordable rate for you. If you have a good credit score, chances are you will find the better car insurance rate.
Are California car insurance prices high for a sports car?
You will have to expect to pay more for car insurance for a sports car than a sedan. In California it is around the average for a sports car.
What is rental car insurance?
Rental car insurance is a system of insurance you use when renting a car so that during the period you have it if it gets damaged you do not have to pay for it.
How do you get new driver car insurance?
You will need to get new car insurance policy quotes and then purchase a car insurance policy for your car. The cost will depend upon your car, its make, model, year and other factors. Insurance premiums for new drivers are generally quite high.
Do you have to have car insurance if you don't own a car?
no Actually, it depends on what you mean. In the U.S. you do not have to have car insurance if you don't drive a car, so if you don't own a car, by default you don't have to keep insurance, however, many states in the U.S. require you to have insurance if you are driving, so if you borrow someone's car, you may be required to have insurance while driving it. In the states that require insurance, you can get a ticket if you don't have it, so if you borrow a car, be sure the owner has it insured and ask him for a copy of the policy of proof of insurance card.
Why do car rentals cost so much?
Car rentals cost so much because they are always nearly new cars and the rental company has to pay fees and high insurance premiums.
Will car be written of by insurance if repairs to high?
Yes, they will total it.
How can a high risk driver find affordable insurance?
There are many ways for a high risk driver to find affordable insurance. One way would be to drive safer so that the insurance goes down. Another way would be for them to drive a car in their parents' names to avoid paying their own insurance.
Where can I find information about Lexington Car insurance?
Lexington is a car insurance company. you can visit the nearest insurance agaent and ask for lexington car insurance. since lexington car insurance is not so widely you, better visit them online to save time
