What Factors Determine Car Insurance Quotes


Numerous factors will always affect the free car insurance quotes you get, no matter who it is from. But how they differ changes from company to company. For example, one auto insurance company might raise your rates by 15 percent if you reside in a high-crime areas, while another might only charge 5 percent.

Of course, both insurance companies are looking at the amount of crime in your neighborhood. However, these insurance companies calculate your insurance risk differently. Having said that, below are a few factors that determine car insurance quotes.

Personal Characteristics

Personal traits like your age, gender, marital status and education level will affect free car insurance quotes, depending on where you live. After all, insurers use statistics about certain demographics to predict how likely a person is to crash. For example, teen drivers generally have higher insurance rates since they are more likely to get in a car accident than almost any other age group.

Your Driving History

Your driving history, such as history of accidents, speeding tickets and DUIs will always raise your car insurance rates. Things are not any different if you’re a new driver and don’t have a driving record yet. To get the cheapest free car insurance quotes possible, you’d require a lengthy driving history with no recent traffic violations.


Location will also an important aspect of how much your coverage costs. The amount of coverage needed to legally drive a car tends to vary by state. For this reason, average rates for similar policies vary immensely. Other details regarding your location play a role in your insurance cost, too. Crime, population density, and crash rates around your neighborhood are all factors auto insurance companies factor in.

The Bottom Line

Insurance companies will always factor in numerous things before issuing free car insurance quotes to drivers. The good news is you can now take advantage of what auto insurance comparison sites offer drivers to ensure you enjoy money-saving benefits on your policy. So, what are you waiting for before you finally insure your car without pocking holes in your wallet?

Kaitlyn Fullmer
Kaitlyn Fullmer
Kaitlyn Fullmer was born March 27, 1990, is an associate degree, American journalist. she's wide attributable with pioneering the trendy, consumer-focused, technology review and statement. She was the principal technology editorialist for The Wall Street Journal. She conjointly co-founded AllThingsD, rearranged it and therefore the D and Code Conferences. Kaitlyn was govt Editor of The Verge and Editor-at-Large of rearranging, internet sites owned by voice Media. Kaitlyn wrote a weekly column for each and conjointly had a weekly podcast, Ctrl-alt-Delete. Kaitlyn was conjointly co-executive producer of the annual Code Conference. Email: kaitlyn@topdailyplanner.com

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