Find Out How Your Auto Insurance Quote Is Determined

How Your Auto Insurance Quote Is Determined

Learn how your auto insurance quote is determined.

Shopping for insurance can be confusing. You must compare multiple policies and prices before you can make an informed decision. Make sure that you have the information that you need when it comes to your auto insurance quote. Check out how your auto insurance quote is determined so that you can ensure that you’re getting the right price.

  • Driving Experience. Your level of driving experience has an effect on your insurance premium. The longer you’ve been driving, the more experienced you are and the more likely you are to have lower rates. The less driving experience you have, the greater chances you have of getting into an accident, and thus you have higher rates. Since experience is typically dependent on age, the younger you are, the more likely you are to have higher insurance rates.
  • Personal Information. Information like your gender or your address can provide insurance companies with clues as to your driving risk. For example, men are statistically more likely to take risks, and so they have a greater likelihood of exhibiting reckless driving. And thus, men tend to have more expensive insurance rates.
  • Vehicle Information. Your car plays a role in your insurance rates. If you drive a safer, newer car, your risk of damages decreases. Therefore, your insurance rates are slightly lower than if you were to drive a car with fewer safety features.
  • Car Mileage. The more time you spend on the road, the more likely you are to get into an accident. Your car mileage and your driving habits play a role in your insurance rates. The more you’re on the road, the more costly your insurance.

Make sure that you get the right auto insurance for your needs. Contact the professionals at Desert Empire Insurance Services, Inc. for assistance with your policies. Located in Palm Desert, California, we serve all your personal and commercial insurance needs.