Average annual premium auto insurance is approximately $ 800, but there is wide variation across the Mediterranean. There are many factors that can affect your premium, and they all help determine how the likelihood of having an accident will be. Perhaps surprisingly, many of them do a better job than just recording their driving. Not all companies are using all these factors, and some may use factors other than those mentioned here. Your premium may depend, in no particular order:
Other factors vary from one region or country to another: the cost and pace of litigation. Care and repair of automobiles and medical expenses. Prevalence of fraud in the field of auto insurance. And climate trends.
Insurance companies do not just look at how good the car is the unit and to what extent it protects the passengers; it also looks at the potential damage one car can inflict on another car. If your car has a greater chance of damage to the other car and its passengers, some more liability insurance companies may have liability insurance.
Perhaps equally important, insurance companies do not use
Your driving record.
The better your record, the lower the premium. If you have had accidents or serious traffic violations, chances are you will not have to pay more than if you have a clean driving record. You can also pay more if you are a new driver was insured for a number of years.The amount your car uses.
More miles in the car, more chance of accidents. If you are driving to work, or to drive a long distance to work, you will have to pay more. If you drive only occasionally, what he calls some companies "use pleasure", you will have to pay less.Where is your vehicle parked and where do they live?
The place where you live, and where you are parked car can affect the cost of your insurance. In general, due to high rates of vandalism, theft and accidents, urban drivers pay a higher price for car insurance than those of small towns or rural areas.Other factors vary from one region or country to another: the cost and pace of litigation. Care and repair of automobiles and medical expenses. Prevalence of fraud in the field of auto insurance. And climate trends.
Your age.
In general, mature drivers have fewer accidents than less experienced drivers, particularly teenagers. So insurance companies generally charge more if teenagers or young people under the age of 25 the car engine.Sex.
As a group, women tend to get into fewer accidents, have fewer accidents than DUI drivers and, more importantly, less serious accidents than men. Therefore, all other things are the same, women generally pay less car insurance than men. Of course, they go along individual time driving history for men and women have a higher what pays for auto insurance effect.And you have to drive the car.
Some of the most expensive cars to secure the most. Variables include the possibility of theft, the car itself cost is a key factor, however, the cost of repairs, and the overall car safety record. Engine sizes even among the same makes and models, and can also affect insurance premiums. High quality car safety equipment may qualify for premium discounts.Insurance companies do not just look at how good the car is the unit and to what extent it protects the passengers; it also looks at the potential damage one car can inflict on another car. If your car has a greater chance of damage to the other car and its passengers, some more liability insurance companies may have liability insurance.
Your credit.
For many insurance companies, credit-based point assessment is one of the most important and accurate tools to statistically predict the probability of a person being sued and the potential costs of this claim. Dozens of insurance on credit information such as date of payment, bankruptcy, collections, outstanding debt and credit history length. For example, regular, timely credit cards and mortgage payments positively affect the outcome, while delinquencies affect a negative score.The type and amount of coverage.
In almost all states, under the law you must purchase a minimum liability insurance. Limits to the required state are generally very low, and most people should consider buying a lot more than a case of the requirement of the recommended amount of responsibility to protect about ten times the average state minimum limit. If you have a new model or the last one of the car, it is also possible to buy ample coverage and shock, you are paying for the damage to your car due to weather, theft or physical damage in the car, such as being hit by a tree . Comprehensive coverage and collision are subject to discounts. The higher the deductible, the lower your car insurance premium. While there is no legal requirement to purchase these coverages, if you finance the purchase of a car or lease you may be required by the contract.Perhaps equally important, insurance companies do not use
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