Here are the most factors that determine auto insurance quotes:
- Age, gender, and marital status: Teens and males under the age of 25 generally pay the foremost for automobile insurance. Married drivers pay but single drivers for insurance.
- vehicles: Some vehicles have higher repair costs or lower safety ratings, which may increase your premium. Others are more likely to be stolen. for instance, full-size pickups, Honda Civics and Honda Accords all have high rates of theft consistent with Insurify.
- Driving history: A clean driving record can get you discounts on auto insurance, while at-fault accidents, moving violations, and DUIs will cause your rates to travel up.
- How much you drive: people that drive more are at greater risk for stepping into a car accident. Driving quite the typical annual mileage will increase rates. But if you’re employed from home and drive only a couple of thousand miles per annum, you’ll pay less.
- Credit history: automobile insurance companies in most states consider your credit history when setting premiums. A lower credit score can raise your rates.
- State requirements: Each state sets its own minimum automobile insurance requirements, so you’ll get to maintain more or less coverage counting on where you reside.