What Factors Affect My Auto Insurance Quote?

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Auto insurance is a legally required protection that will keep your vehicle safe, help you in the event of an accident, and ensure repairs get done quickly and efficiently, so your car remains safe and comfortable to drive. Every auto insurance quote is going to look a little different, however, and it’s important to know what factors into your quotes before you begin searching for the right plan.


The Type of Car You Drive

Insurance companies want to know how much your car will work to protect you on the road and if there’s any risk of something going wrong that they will have to address. Vehicles that have a lot of built-in safety features and that are newer will cost less to insure as a general rule. It’s also worth noting that performance vehicles often cost more, because drivers are statistically more likely to speed and because the vehicle is at a higher risk of being stolen.

Where You Live

Certain driving environments will raise your insurance rates while others will lower the rates. For example, cities have a lot more traffic, which means you’re at a higher risk of getting into an accident or sustaining vehicle damage than if you’re driving in a rural area with a more spread-out population. The insurance company may also be looking to see what the rate of theft in the area is as well.

Age and Gender

These are two factors you don’t have any control over, but they play a large role in how much your auto insurance will cost. Young drivers have higher insurance rates because they’re inexperienced and more likely to get into an accident. Men will have higher insurance rates because statistics indicate that they’re more likely to engage in risky driving behaviors.

Your Driving History

Your driving record has a large impact on your insurance costs for the same reason your credit score will impact your loan terms. The insurance company wants to know how much of a risk you will be to insure, and if you have a history of accidents or other dangerous behavior like DUIs or speeding, then you can expect your rates to go up. On the other hand, if you drive safely and responsibly then you may qualify for safe driver discounts and lowered costs.

How Much You Drive and For What

This may seem a little personal, but it’s an important factor to take into consideration. If you don’t drive a lot, there’s a reduced chance of your being in an accident and your insurance rate will likely be lowered. If you drive to school or work every single day, that will impact your rates as well. It’s also worth noting that where you drive is important. If you have a short commute, but it’s into a busy city, you will probably still pay more for coverage.

Find the right auto coverage to fit your driving needs right here at Ripplequest.com! Start your search and get the protection you and your vehicle deserve today!