3 Factors that Affect Your Car Insurance Rate


In states like California, by law, you cannot drive your car without first obtaining car insurance. Therefore, you must factor in this expense if you want to become a legal driver in the corresponding states. If you shop around, chances are great that you will find a reasonable car insurance plan that you can afford and maintain for as long you plan to drive a vehicle. Gathering car insurance California quotes is as easy as visiting the various insurance websites and punching in the corresponding information, or you can always consult with an insurance agent in person.

As you gather these quotes, here are three factors that will affect the car insurance rates you receive.

The Vehicle

Insurers take into consideration the type of car you drive. If your car model has a history of accidents and high claims, it will be more costly to insure. It’s not necessarily the car that is faulty, but if individuals who drive that specific model get into more accidents then, it’s considered a risk. Insurers are also going to take into consideration how often you will be driving that car and whether you will be driving it to commute to work or for pleasure.

Your Driving History

If you don’t have a driving history or a long driving history, it’s going to go against you. However, over time, as you prove that you’re not a risk, the rates will go down. If you are above a certain age, that will also cause a decrease in price and as long as you don’t accrue traffic violations or accidents, your car insurance rates will further go down. If you do have a driving record, any prior claims that you filed will also be taken into consideration.

The Type of Coverage You Require

For individuals who are seeking to satisfy the minimum insurance requirement in their respective state, costs will be lower. If you’re still making payments on your car, though, to maintain your car loan, you may have to pay for full coverage that adds a premium to your overall rate. Your rate will also depend on how much liability coverage you would like have in your plan.

Shopping for car insurance and gathering quotes from the many insurance companies helps you see what’s available for you given your driving record, coverage required and vehicle you drive.

Posted January 30, 2016 by Car Blog in category General

7 thoughts on “3 Factors that Affect Your Car Insurance Rate

  1. dresses

    There are lots of websites where you can find most beautiful and fashionable wedding dresses with
    various prices. Before you make a final (and perhaps irrevocable decision) about what to
    do with the dress after the wedding is over, make sure to take some time to consider all your options
    and any future ramifications of your ultimate decision.
    Wear your hair loosely around your shoulders, and
    accent your neckline with an attractive necklace. A fashion prom dress
    which compliments your good features is your first choice.
    You can choose from fabric with a slight sheen or matte.
    No matter how big or flat you are, the shape
    of this dress will make you appear larger.

  2. what are some healthy diets

    Hello, the whole thing is going nicely here and ofcourse every one is sharing information, that’s truly excellent, keep up writing.

  3. Karen

    Good post. I learn something new and challenging on sites I stumbleupon everyday.

    It will always be helpful to read through articles from other authors and use a little
    something from their sites.

  4. three mobile customer care phone number

    You’re sso cool! I do not suppose I’ve read throufh something like thyat
    before. So nice to discover someone witgh original thoughts on this subject matter.
    Seriously.. many thanks ffor starting this up.
    This web site is something that is needed on the web, someone with some originality!

  5. iphone 7 cases otterbox amazon

    We are a group of volunteeers and staarting a new scheme in our community.
    Your site provided us with valuable info to work on. You hhave
    done an impressive job and our whole community will be grateful to you.


Leave a Comment

Your email address will not be published. Required fields are marked *


Time limit is exhausted. Please reload the CAPTCHA.

Security Code: