What factors affect how much i will pay for car insurance?

Question

what are the factors that affect the amount i pay for insurance on a car? im looking to purchase my first vehicle and want to know what i can't afford.

Answer 1

You can easily find this factors while checking your quotes in internet, for example here: http://carinsurance.yoll.net

Every item they asking for affects your rates.

Answer 2

Age, Gender, and Location.  Also, Type and Value of the Vehicle.

Answer 3

I wish my experience is helpful for you.Here is the good resource.http://car-insurance.online-tips.info/ca...

Answer 4

I'd say the biggest factor is your age, the older ofcourse the less you pay. Then would be your record, how many tickets/accidents you've had. Then the car year and make. the newer the car is and the higher end the model is, the more you pay. Also whether you want it full coverage or liability is another big factor.

Answer 5

YOUR DRIVING RECORD, AGE, CREDIT AND IF YOU HAVE HAD INSURANCE PREVIOUSLY. GOOD LUCK

Answer 6

The type of car

Your age/how long you've been driving

tickets/accidents, etc

Gender

Martial status

some use credit ratings

I'm sure there are a lot of other things.

Answer 7

A lot of companies run your credit first.  Then they consider how long you have been a licensed driver, whether or not you have points against your license, if you have had any accidents, married or single, and of course your age.

If you have attended a driver's training course, and if you have had previous insurance before.

Sometimes your zip code of where you live is even a factor.

Shop around as with anything ask questions and get some rate quotes.  They don't cost anything except,  remember some of them will do a hard pull on your credit, and some do not.  You can ask which one they do before you agree to giving them information for your application.

Answer 8

Age, History, insurance type, car type, how long you have been driving, medical conditions, area you live in, various others.

Answer 9

color of the car

Answer 10

Age

A site I've recommended in the past would be...

http://insurance.123thebest.info/

Hope that helps.

Answer 11

HELLO

YOU

s*x, AGE AND HOW LONG YOU HAVE BEEN DRIVING

SOME COMPANIES WILL DISCOUNT FOR FEMALE DRIVERS

MOST WILL GIVE YOU A PERCENT DISCOUNT FOR TAKING INSURANCE WITH THEM

WHERE YOU LIVE.

DO YOU LIVE IN A HIGH RISK AREA, WILL THE CAR BE PARKED IN A GARAGE OR AT LEAST OFF STREET

THE CAR

CARS BELONG IN AN INSURANCE GROUP, A FORD KA FOR EXAMPLE IS GROUP 2 WHICH IS LOW THEN WORK UP THE NUMBERS TO ABOUT GROUP 20 THEN EACH CAR IS INSURED INDIVIDUALLY

THEN THE NEWER THE CAR THE MORE IT IS WORTH

TYPE OF INSURANCE

CHEAPEST REQUIRED BY LAW

THIRD PARTY ONLY    COVERS YOU SO OTHER PEOPLE CAN CLAIM OFF YOU IF YOU CAUSE THE ACCIDENT.

THIRD PARTY FIRE AND THEFT,   YOU ARE NOW COVERED AS BEFORE BUT ALSO IF YOUR CAR IS SET ON FIRE AND OR STOLEN

MAY REQUIRE A FEE FOR LEGAL REPRESENTATION

FULL COMP  AS BEFORE BUT YOU ARE NOW COVERED IN CASE YOU NEED TO CLAIM IF YOU NEED TO FOR REPAIRS OF DAMAGE BY PERSONS UNKNOWN

THIS WILL MAY INCLUDE LEGAL REPRESENTATION AS STANDARD

THE LOWER THE INSURANCE GROUP THE CHEAPER THE INSURANCE

THE VALUE OF THE CAR

THE MORE IT'S WORTH THE MORE THE INSURANCE WILL COST

HOPE THIS HELPS A BIT

Answer 12

a LIST of things age, gender, type of car, and your social security number for the most part you can get exact insurance info from websites that let you compare insurance companies like http://www.COMPAREusINSURANCE.com and http://www.CompareINS.us