Factors affecting your car insurance quotes

Car Insurance companies evaluate car insurance quotes for applicants based on risk factors to determine whether the car insurance company will offer you coverage for your car. We can also help you analyze your car insurance needs so that you can establish the proper amount of insurance for your specific situation and receive instant quotes.

• Age (teenage drivers are more costly to insure) - Younger drivers equal higher quotes
• Sex (females generally cost less to insure than males) - Males equal higher quotes, females equal lower quotes
• Marital status (married persons tend to have lower auto insurance claims) - Married couples receive lower quotes
• Driving record (tickets and auto accidents history for the prior 3-5 years) - Better driving records equal lower quotes
• Prior car insurance claims - Less claims equal lower quotes
• Personal credit history (lifestyle and income characteristics) - Good credit equals lower quotes
• Distance traveled each day, and use of the car (commuting, leisure, business) - Less distance traveled equals lower quotes
• Vehicle (year/make/model) - Expensive cars equal higher quotes, less expensive cars equal lower quotes
• Territory - geographic area where the car is kept (urban areas are generally most expensive and may result in higher quotes)