Aig Car Insurance
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Factors That Affect Your Car Insurance Premium
by: Jon Register
Many factors affect the premium you will pay for auto insurance. Each is a statistically based risk for a specific population. The higher the risk associated with a person, the more he or she is likely to pay for coverage. We have elaborated on some of the risk factors below, but there are numerous others, including driver's gender, miles driven per year, purpose for using the vehicle (commuting to work, using for work, leisure only), etc.
Factors you CANNOT easily change that affect your car insurance rates:
. Age
Statistically, drivers under the age of 25 are at greater risk of being in an accident than those over age 25. Drivers between the ages of 50 and 65 generally have the safest records.
. Gender
Women are statistically safer drivers.
. Marital Status
A married person will pay less than a single person with an identical driving record. Factors you CAN change that affect your car insurance rates
. Geography
Where you live makes a difference. Folks living in areas with little or no traffic are likely to spend less on insurance than those living in congested cities or suburbs because areas with a lot of traffic tend to see more accidents. Some neighborhoods also have a higher rate of vehicle thefts, which can result in a higher premium.
. Driving Violations
Having an accident or moving violations on your record (speeding tickets, DWI, reckless driving, etc.) put you at a higher risk for accidents and will likely mean a higher premium. Some insurance companies will penalize you for your record for as many as five years from when the incident occurred. However, keep in mind, as your record improves, your premium will get lower.
. Vehicle Type
El cheapo car will cost less to insure than that status symbol SUV sitting on 24" rims baby.
. Accident Claims
A driving record that is clean and free of accidents will hold fare better for you than lots of tickets and/or accidents.
. Credit Rating
Many insurance companies view having a poor, or even no credit history as suggestive of higher risk and thus, charge you a higher premium.
. Occupation
Insurers have statistically found a correlation between your occupation and risk. For instance, a newspaper delivery person is most likely a higher risk than the personal banker sitting at their desk all day.
Other factors that help determine premiums:
- Driving distance to work
- Miles driven each year
- Years of driving experience
- Business use of the vehicle
- Whether or not you currently have auto insurance
- Theft protection devices (often results in discounts)
- Multiple cars and drivers (another opportunity for discounts)
What can I do right now to make sure I have the lowest premium?
Shop around and compare quotes from different insurers. They base their premiums on their claims experiences, which naturally differ. One company may see your area as a higher risk than others may. Another may charge more because of your occupation. Shopping at http://www.carinsurance.com makes it easier because you can quickly see multiple companies and their rates for your particular situation.
Where do I go for quotes?
One stop can take care of it all. Go to http://www.carinsurance.com where you can receive multiple quotes, pick the best price, and then purchase. Get covered immediately on-line or over the phone. It REALLY is the easiest way to purchase car insurance.
About The Author
Jon Register is a representative of CarInsurance.com. You can visit CarInsurance.com at http://www.carinsurance.com or contact them at 1-877-327-8728.
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How To Make Money With Used Cars!
C.L. Spartalis
One of the most important purchases consumers make is a car. The average consumer
purchases another car every several years. With the High Cost of new cars millions
of people are opting to purchase affordable used cars.
There is a Massive opportunity to earn an excellent income. Help fill this high
demand for quality used cars at affordable prices. When starting out you should
focus on cars under the $4,000 range.
Do some research and find out what the most popular best selling cars in your
area are. By staying in the lower price ranges with these popular vehicles you
will be in a higher demand market since more people can afford these vehicles
than higher priced more expensive cars, this will make it much easer to sell
quickly for a profit.
You make your money when you buy, this is an important key to your success.
You will need to pay wholesale price or below less the cost of any needed repairs,
and other expenses ie: detailing, newspaper ads, etc. Once you know the wholesale
price, less repair costs and expenses, you will know how much you can pay for
a car. If you buy it right you wll be able to sell it at a profit and still
give the buyer a great deal.
One of the most important things you can do to purchase a used cars at bargain
prices is to do your homework. You should check your local classified ads and
see what the asking price is for the type of vehicle that you are in the market
for.
Make sure to get the high and low Blue Book and wholesale prices on the vehicle
that you are interested in. Here are some excellent sources for getting pricing:
NADA GUIDES - www.nadaguides.com
KELLEY BLUE BOOK - www.kbb.com
EDMUNDS - www.edmunds.com
Other resources to check with is CARFAX. They can supply you with the vehicle
history report. The National Highway Traffic Safety Administration has a research
area to check recall history on cars. We recommend that you have the vehicle
you are interested in purchasing be inspected by your own mechanic prior to
purchase.
Newspaper Classified Ads are an excellent place to find cars at well below retail
prices. Many of these people will be happy to sell their used cars for several
hundred dollars more than what was quoted by the dealer and you will end up
with an EXCELLENT BUY!
Online Auctions can be a great place to find bargains. You can shop right from
the comfort of your own home. Look for auctions with no reserve, these auctions
don’t have a minimum price before they will sell.
Public Car Auctions are open to the general public and do not require you to
have a Dealer’s License. Public auctions can be an excellent place to purchase
cars at wholesale prices. Some of these auctions are: Auction Repossessions
of Credit Unions, Banks & Lending Institutions. Some public auctions also auction
Police and Local Municipalities, City, State, & County vehicles.
Estate and Bankruptcy Auctions can be a very good place to purchase vehicles
at wholesale prices. These auctions are usually advertised in newspaper classified
section or handled by Probate Estate Auctioneers.
Government Auctions are an excellent source for bargin vehicles. They include
vehicles from DEA drug raid seizures, FBI, IRS, U.S. Customs Auctions, Department
of Defense, General Services Auctions, Resolution Trust Corporation, Department
of Housing and Urban Development, and U.S. Postal Services.
Rental Car Companies often sell their fleet of cars by auction. They can be
a great source of cars. Contact these large companies and inquire.
Dealer Auctions can be one of the best sources to cars at below wholesale prices.
Most of these auctions require that you have a dealer’s license. These auctions
include lease cars, trade-ins, rentals, and fleet vehicles.
Stay away from used cars that need major mechanical repairs or body work. Look
for good, dependable cars, if the pait is a little dull or the rug is dirty,
you can detail, polish and wax the car and clean the carpet. Replace the floor
mats if needed. By doing a few hours of work, you can make your car worth hundreds
or even thousands of dollars more. By having a clean care, inside and out, you
will attract more buyers that will be willing to pay you top dollar for your
car.
When your car is ready to sell, you can place and ad in your local newspaper's
classified section, or you can place your ad on the internet and reach a wider
audience. CARS.COM and AUTOBYTEL.COM has a lot of traffic and is enexpensive.
Selling cars through online auctions has also become very popular. It has become
one of the easiest, fastest, and most cost effective methods to reach your target
audience of hundreds and even thousands of people looking at your car. EBAYMOTORS.COM
or AUCTIONYOURAUTOS.COM are both online auction sites.
Most states require that you have a Dealer's License when you buy and sell vehicles
for profit. Check with your states Department of Motor Vehicles or Department
of Public Safety for more information on how to obtain a Dealer's License. It
is important to consult with your attorney, insurance agent, accountant, and
other government officials to determine what permits, licenses, records, insurance
policies, etc., are required.
About The Author
C.L.Spartalis is the publisher of The of How To Turn Used Cars Into Ca$h With
Your Computer. No Inventory Required.
www.turnusedcarstocash.com/home.html
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