Car Insurance Quotes Simplified
Whether you have recently bought a car, are looking to buy a new car, or are looking to change your insurance company you have found yourself on the internet looking for information on car insurance quotes. Well you have come to the right place, especially if you are looking for which factors affect your car insurance quote. Getting a car insurance quote is not such a mammoth task and can be done with a few minutes. You can obtain a car insurance quote online, either from an insurance company or by going to a comparison site and getting multiple quotes. In this article however we will not be looking into how to obtain a car insurance quote but rather which are the factors which affect your insurance quote.
A car insurance quote is determined by the information you fill in when completing the insurance form. This is the only basis on which an insurance quote can be obtained.
These are some of the factors which affect your car insurance quote:
The very first factors which affect your quote cannot even be changed yet you need to be aware of. These factors are; your age and your gender. People who are more matured are seen as being more responsible and less likely to take risks than younger people. Also females will pay lower insurance premiums for the same reason, because although males are thought of as more skilful drivers they are more likely to take more risks on the road.
Did you know that thieves target certain models of cars? Well their do, and for this reason the model of your car affects your premiums. Certain cars are targeted because they have parts which are easier to dissemble and sell. Or because they can dissemble the parts to swop them with other part, so that the car is not easily identified by police.
The actual vehicle also affects the calculation of premiums. The model of the car and the year in which the car was manufactured, along with how many people will drive the car.
What also affects is the number of speeding fines and number of accidents, drive safely and keep your record clean so that you do not have to pay higher premiums.
Quickest way to lower your premiums is to raise your excess. By raising your excess amount you make yourself liable to pay more in the event of an accident. Save the money that you would have paid on your premium for the first year, so that if you have an accident you can pay the excess.
Many companies will offer a discount if you have bought another insurance product from the, let’s say household insurance. If you have currently are insured for some product, be sure to ask them what discounts you qualify for if you decide to take out car insurance with them. They should be able to offer you a discount.
Fish around for quotes until you find the deal that suits you, in coverage and price.
For more information about car insurance quotes, please visit our website on http://www.payasyoudrive.co.za
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