You should keep in mind that a number of factors can affect the cost of your car insurance when comparing auto insurance quotes. But mainly, auto insurance companies will consider your level of risk. If you are considered to be a low risk driver, your auto insurance premiums will be much lower than a high-risk driver. So with any auto insurance comparison (online or off-line), companies' offerings will vary based on your personal information and level of risk. An auto insurance comparison will help you find the most affordable option with the coverage you need for you and your family.
High Risk vs. Low Risk
Auto insurance quotes may or may not reflect premiums based on high risk / low risk factors. This depends on how many questions you must answer in order to obtain the quotes. With online auto insurance quotes, you'll likely fill out a questionnaire online to determine your quotes. The more detailed the questionnaire is, the more likely you will obtain near accurate quotes. A form may ask for only general information such as your name, address, the state you live in, your age, and gender. A more detailed form might ask these same questions along with others such as whether or not you've taken any defensive driving courses, if you've ever been in an accident and who was at fault, if you are married or single, if you have a teen who will be driving your vehicle, etc.
In the insurer's eyes, a high risk driver is usually someone who has had numerous speeding tickets or traffic violations, one or more wrecks in which they were at fault, a student in high school or college, or someone with other negative strikes against their driving history. Also, anyone with a drunk driving record will be required to pay very high auto insurance premiums. Some states require a special type of insurance called SR-22 insurance for someone with a DUI or DWI on their record.
Insurance companies will also consider a person's age and driving experience, whether married or single, and even the type of car they drive. Someone with a sports car will likely pay more on auto insurance than someone with a family sedan (of the same age with a similar driving history).
If your insurer feels you are a high-risk driver based on the above factors, the company will have no other choice than to charge more - if they cover you at all. But even with a poor driving record, you can still do an auto insurance comparison online to find the best offer for you. Comparing auto insurance quotes can save you hundreds of dollars per year!
Keep Your Auto Insurance Company Happy
Once you sign on for auto insurance online or even locally, make sure to keep your insurer happy by driving safely and keeping your record clear. Insurance premiums can be raised or lowered at any given time. If you avoid accidents whenever possible, drive at the speed limit, and avoid drinking and driving, your auto insurance premium may decrease with time. On the other hand, if you drive carelessly and add up points against your license, your insurance company will likely raise your premium.
You can also save money by comparing auto insurance online based on varying policies and what they offer. One company might cost less, but they also may not offer as much coverage as another. Compare the types of coverage and premium costs with varying deductibles. Start saving today by going online to compare auto insurance quotes the easy way!
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Chris Robertson is a published author of Majon
International. All Rights Reserved. Copyright 2009 (Thu Nov 20 2008)
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