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Auto Insurance Basics |
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Buying a Policy |
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What
determines the price of my policy?
There are many factors that influence the price
you pay for auto insurance. The average American driver spends
about $700 a year. Your premium may be higher or lower, depending
on:
- Your driving record.
The better your record, the lower your premium. If you've
had accidents or serious traffic violations, you will
pay more than if you have a clean driving record. You
may also pay more if you haven't been insured for a number
of years.
- The number of miles you drive
each year.
The more miles you drive, the more chance for accidents.
If you drive a lower than average number of miles per
year, less than 10,000, you will pay less. For instance,
some companies will give discounts to policyholders who
carpool.
- Where you live.
Insurance companies look at local trends, such as the
number of accidents, car thefts and lawsuits, as well
as the cost of medical care and car repair.
- Your age.
In general, mature drivers have fewer accidents than less
experienced drivers, particularly teenagers. So insurers
generally charge more if teenagers or young people below
age 25 drive your car.
- The car you drive.
Some cars cost more to insure than others. Variables include
the likelihood of theft, the cost of the car, the cost
of repairs, and the overall safety record of the car.
- The amount of coverage.
Of course, like anything else, the more coverage you have,
the more you pay. However, you may qualify for discount
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