A lot of people are shocked when they get their estimates for car insurance, because they simply do not understand and they do not know what all of the factors are that go into determining how much you are going to pay for car insurance. There are a plethora of factors that will determine these costs.
Of course, the most important one is the way you drive. If you are a bad driver, then you are going to be paying more, and if you are an excellent driver, then your car insurance rates will drop. Of course, if you have a teenager that has just gotten their license; you can expect to pay a little more for their car insurance because they are inexperienced drivers. That is why it is always better to put them on your car insurance than to take you a car insurance policy just for them. When a teenager is driving, the car insurance company assumed that they are not that good at it, simply because they have not been driving for very long. It is the teenager’s job to drive well for a couple of years with no accidents and no traffic violations, in order to show that they are competent behind the wheel.
So it should be pretty obvious that if you are getting into accidents regularly and you are constantly getting speeding tickets and running red lights that your car insurance is going to be very expensive. Conversely, if you are a good driver that does not get into trouble, then you will be paying less for car insurance.
Believe it or not, how much you drive is also a key factor. The thinking of the car insurance company is that the more you drive, the more likely it is for you to get into accidents and break the rules of the road. So if you have a job that demands that you drive a lot, then you are going to be paying a lot more than someone who is driving 2 miles to work and back every single day.
Another very important factor is what you are driving. If you are driving a very expensive sports car, then of course, you are going to be paying a high rate of car insurance. But of course, most people that can afford to own a very expensive sports car can also afford to pay a high premium for car insurance.
But it is also important to remember that if you are driving an old car that is falling apart, breaks down constantly and barely passes inspection, then you will be paying a high car insurance rate as well, because your car is a liability on the road. So if you are looking to pay the least possible for car insurance depending solely on what you drive, you should get a mid-priced and reliable car that runs efficiently and is safe to drive.
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