Car Insurance Estimates - The Truth About How to Get Cheap Car Insurance
Doesn't it just make your blood boil? You just signed up for car insurance with a new company.
You think you scored a pretty good deal.
You happen to mention your "great score" and people start looking at you like you're crazy! Turns out, they got a much better deal from not only the same insurance provider, but from the exact same insurance agent.
What? How did that happen? If you don't want this to happen to you again, keep reading.
Here's the deal.
All insurance companies calculate how much of a risk you are to insure.
If you score high, they're going to charge you big bucks to insure your vehicle.
A low score equals a low insurance charge.
Want to know what they score you on so you can improve? Here they are:
If this is the case, you're going to lose again with your insurance bill.
Improving this takes time.
You will have to become a safer and more responsible driver and over time prove to your insurance company that you are a safe risk.
Don't worry though.
Some insurance companies take this one year at a time.
If you can go one year without some sort of traffic accident, you are on the road to improving your score.
Previous Traffic Tickets - Just like your previous accident record, this one says a lot about you.
Why have you gotten tickets? Were they just parking tickets or were they the dreaded speeding tickets? Speeding tickets not only cost you a lot of money upfront, they cost you money on your insurance bill.
Slow down.
Occupation - Previous accidents and tickets are pretty obvious, but how about your occupation? Did you know that insurance companies have conducted studies that show how much of a "safe" person you are based on your job? True.
Engineers are involved in the least amount of wrecks per year and get the best insurance rates.
If you have a high-risk job, this could be one of the reasons you're paying high costs on your insurance.
Gender - Doesn't seem fair and there's nothing you can do about it, but whether you're male or female makes a big difference on car insurance estimate.
Men are involved in more traffic accidents than women and are charged higher insurance rates.
This doesn't mean that men are worse drivers but actually because men drive more.
The more you drive, the higher chance you have of being involved in an accident.
How you use your Car - If you have an office job with little or no travel, you are going to use your car a lot less than someone who is in sales and has to make sales calls.
Again, the more you drive, the higher the chance you have of being involved in a wreck and you can bet the insurance companies take this into consideration.
You want to get the best car insurance estimates that result in getting the cheapest car insurance.
From the above items, you've learned how to do that.
Some of these things you can change, some you can't.
Don't make the mistake of focusing on the ones you can't change.
Instead, focus on the items you can improve on and go get that cheap car insurance!
You think you scored a pretty good deal.
You happen to mention your "great score" and people start looking at you like you're crazy! Turns out, they got a much better deal from not only the same insurance provider, but from the exact same insurance agent.
What? How did that happen? If you don't want this to happen to you again, keep reading.
Here's the deal.
All insurance companies calculate how much of a risk you are to insure.
If you score high, they're going to charge you big bucks to insure your vehicle.
A low score equals a low insurance charge.
Want to know what they score you on so you can improve? Here they are:
- Previous Accident Record
- Previous Traffic Tickets
- Occupation
- Gender
- How You Use Your Car
If this is the case, you're going to lose again with your insurance bill.
Improving this takes time.
You will have to become a safer and more responsible driver and over time prove to your insurance company that you are a safe risk.
Don't worry though.
Some insurance companies take this one year at a time.
If you can go one year without some sort of traffic accident, you are on the road to improving your score.
Previous Traffic Tickets - Just like your previous accident record, this one says a lot about you.
Why have you gotten tickets? Were they just parking tickets or were they the dreaded speeding tickets? Speeding tickets not only cost you a lot of money upfront, they cost you money on your insurance bill.
Slow down.
Occupation - Previous accidents and tickets are pretty obvious, but how about your occupation? Did you know that insurance companies have conducted studies that show how much of a "safe" person you are based on your job? True.
Engineers are involved in the least amount of wrecks per year and get the best insurance rates.
If you have a high-risk job, this could be one of the reasons you're paying high costs on your insurance.
Gender - Doesn't seem fair and there's nothing you can do about it, but whether you're male or female makes a big difference on car insurance estimate.
Men are involved in more traffic accidents than women and are charged higher insurance rates.
This doesn't mean that men are worse drivers but actually because men drive more.
The more you drive, the higher chance you have of being involved in an accident.
How you use your Car - If you have an office job with little or no travel, you are going to use your car a lot less than someone who is in sales and has to make sales calls.
Again, the more you drive, the higher the chance you have of being involved in a wreck and you can bet the insurance companies take this into consideration.
You want to get the best car insurance estimates that result in getting the cheapest car insurance.
From the above items, you've learned how to do that.
Some of these things you can change, some you can't.
Don't make the mistake of focusing on the ones you can't change.
Instead, focus on the items you can improve on and go get that cheap car insurance!
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