What factors are used on car insurance quotes?
- The model and make of your car. Sporty types cost more to repair so you will pay more.
- The age of the car and its condition
- Your age and gender
- How long you have been driving
- Where you live
- Whether or not your car is kept in a locked garage at night
There are many factors that you need to consider when comparing car insurance quotes.
If you choose to get an online car insurance quote, you will have the benefit of being able to compare multiple quotes. You will also have quite a bit of information from the internet which should help to guide you in terms of making better decisions.
The downside of this method is that you won’t have any agents to speak to and you have no experts to tell you where to get discounts.
Excess is the amount of money that you are required to pay before the insurance company settles your claim.
When you are comparing various car insurance quotes, you need to check the excesses that apply.
Consider using a broker
An insurance broker regulates your insurance on your behalf. These individuals know the products and they know the ins and outs of the insurance company. They may also know which car insurance company would prefer you as a customer. Keep in mind that they don’t know everything and that you may have to pay more to benefit from their services.
Using an agent
An agent works directly for a given insurance agency. This individual will know just the right product for you. A disadvantage is that if you use an agent you only get a single quote and you will lose out on the chance of getting multiple quotes.