Car Insurance Quote - AutoInsuranceRapid.com

typical car insurance rates

Car Insurance Quote

Do you ever wonder what your car insurance quote is based on? Maybe you wonder why you always seem to get quoted high while your friend enjoys rock bottom rates? Your 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, it can be possible to make some changes that will result in receiving lower car insurance quotes.

The make and model of your car.

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. You can contact our representatives to see what kinds of cars insurance providers offer lower rates for. If you want to lower your car insurance quote, you can trade in your car for one you can get a lower rate with.

Your driving record.

Good driving records will result in lower rates. It makes sense that your driving record would come into play with your auto insurance quote. 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.

Your age.

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

Your car safety features.

The safety and security features on your car will also determine how high or low 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. Feel free to contact our representatives and ask what types of security and safety features your insurance company offers discounts for.

How many miles you drive every day.

When calculating your car insurance quote, your 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 ride a bike or take the bus to work, be sure and mention it to the agent to get a lower car insurance quote.

Your payment option.

When you purchase an insurance policy, you will be given a few payment options. Depending on the provider, sometimes, 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.