| Congratulations, you have just purchased the car | | | | obvious. |
| of your dreams; you worked a great deal, now it | | | | Car insurance companies are now looking at your |
| is time to insure it. Car insurance is mandatory in | | | | credit worthiness. Do you have excessive, |
| all states, and must be maintained throughout | | | | outstanding credit, or no credit at all? If so, you |
| ownership. Insurance quotes can vary from | | | | are a risk in the eyes of the insurance companies, |
| company to company, and there are a few | | | | and will get socked with higher insurance quotes. |
| factors that you can control, and other factors | | | | Keeping your credit in check will show the |
| you cannot. A full understanding of how insurance | | | | insurance companies you are responsible, both |
| quotes are arrived at, will give you the best rate, | | | | financially, and on the road. As a result, you will |
| and maximum coverage. | | | | pay lower premiums. |
| Factors that cannot be controlled include the age | | | | Your occupation can put you at a higher risk. Jobs |
| of the driver. Common sense tells us that a new | | | | that require many hours of driving, or driving in |
| driver would be more of a risk to an insurance | | | | hazardous conditions, or places will put your quote |
| company, than an established driver. Therefore a | | | | at a higher rate. Less driving, and exposure to |
| driver in their early 20's would pay a higher | | | | high-risk opportunities, will result in lower |
| premium than a driver in their 40's. Further, elderly | | | | premiums. Additionally you want to keep your |
| drivers have poor reaction time, and similarly | | | | annual mileage down to a minimum. The more |
| would pay more of a premium. The ideal driving | | | | miles you drive, the greater the risk of accident. |
| age would be between 35 to 55 years; anyone | | | | Vehicle theft is a risk factor that can easily be |
| younger, or older would pay more. | | | | minimized. Most companies will give you a discount |
| Gender is another uncontrolled factor that | | | | for having better security for your vehicle. An |
| insurance quotes are based on. Statistically, | | | | alarm, or another approved anti-theft device will |
| insurance companies see females as safer drivers | | | | usually result in some discount. Some companies |
| than males. As a result, female drivers pay less | | | | may insist on having such devices installed on |
| than their male counterparts. | | | | more expensive and desirable cars before they |
| There are factors, which we can control, namely | | | | even consider offering you a price. |
| the amount of traffic tickets and accidents. A | | | | Some companies look favorably on drivers who |
| ticket is a violation of law that could potentially | | | | have taken a defensive driver's course. They see |
| result in an accident. Insurance companies frown | | | | this as a commitment to safer driving, thereby |
| on this, and will penalize the driver with higher | | | | lowering the risk of accident, resulting in lower |
| rates. Similarly, accidents could indicate a pattern | | | | premiums. |
| of behavior; as such the driver is penalized with | | | | Keep in mind these are just general guidelines, and |
| higher rates. | | | | the difference in price between various companies |
| Where you live is another controlling factor that | | | | can be significant. What one company may |
| effects insurance quotes. Living in a rural area, | | | | consider a high-risk factor another company may |
| puts the driver at much less risk of accident or | | | | not view as so important. The bottom line, keep |
| theft as compared to living in a city. As a result, | | | | your credit in check, be careful on the road and |
| city drivers will pay a larger premium than rural | | | | choose a car that fits your budgets. |
| drivers with very few exceptions. | | | | Jay B Stockman is a contributing editor for Car |
| Want to drive a Porsche 911 Carrera? It will cost | | | | Insurance Quotes Resource Visit for more |
| you. The more your car is worth, the higher your | | | | information. |
| insurance quote will be. The logic should be | | | | |