Author: Dipika Patelbr
Source: ezinearticles.combr
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Car insurance premiums are never the same for everyone – insurers use a range of information to decide what to charge for cover and it is important that drivers know what affects the price they pay.
The data used to determine premiums includes personal details, your driving record and the type of vehicle you use.
Where you live
Your address is important because if you live in a crime-prone area, your premiums are likely to be higher.
Insurers mainly price their cover based on risk, so if your car is more likely to be stolen or damaged because you live in an inner city region rather than a remote village with few inhabitants, you will have to pay more to get insured.
What you do
Your job can be an indicator of how you will use your vehicle.
For example, certain occupations may be seen as being likely to result in frequent, fast motoring more than other positions. This can mean your premiums will be higher.
How old you are
Your age is seen as a way of determining how much driving experience you have and therefore how risky a proposition you are when it comes to getting into accidents.
As such, the younger you are, the more you will probably have to pay for your car insurance.
Licence points
Some driving offences result in points being added to your licence – and the more you have, the greater the likelihood that the cost of your car insurance will go up.
This is one incentive for driving as safely as possible – if you have a clean record, insurers have little reason to believe you will commit a major motoring offence.
Your car
The vehicle you drive is perhaps one of the biggest factors that affect car insurance premiums.
You will typically find that a large, powerful car will command higher cover costs than those that are smaller and unable to be driven as fast.
In addition, the more secure your motor is the lower your premiums will be, as good security such as alarms and extra locks can help to deter would-be thieves.
When buying a new car, it is a good idea to double-check the insurance group it falls into to see how much your policy is likely to cost.
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