-
Your Driver's
License, Vehicle Registration and (VIN) Number
-
Make-Model
and Year of the Car: You may be asked the engine size
(cubic inches), how many doors and whether or not it has two
or four-wheel drive.
-
Know Your Car
Safety Features: Cars with antilock brakes and air bags
often cost less to insure.
-
Driving
Record: You'll be asked about any driving history of
accidents and traffic violations.
-
Age, Gender
and Marital Status of the Drivers: Younger drivers may
pay higher premiums. Unmarried men under age 25 tend to pay
the highest premiums.
-
If the Driver
Smokes
-
Where You
Live: People in large city areas tend to pay more for
car insurance compared to those who live in rural areas.
Those with certain ZIP codes or who live in certain areas in
a city may pay more than others.
-
Home
Ownership
-
Employment
History
-
Credit
History: Insurance companies may inquire if you’ve been
denied credit in the past year.
-
Time Licensed
Within a State
-
How You Car
Is Used: Drivers who use their cars for pleasure may pay
less than those using them for commuting.
-
Whether a
Driver Training Course Has Been Completed for New or Senior
Drivers
-
Miles Driven
Each Year: Some insurers ask for daily and annual
average miles driven.
-
Where the
Vehicle Is Kept: Cars kept in garages may cost less to
insure.
-
Number of
Vehicles to Be Insured on the Policy: Two or more cars
on the same policy can save you money.
-
What Type of
Coverage You Need
xml