Facts to Remember Before Buying Auto Insurance

Buying car insurance is a very important thing which cannot be over looked. It is very important to get a good car insurance which can provide one with the best possible cover from accidents, calamities, theft and other emergencies which the car owner may not be prepared for otherwise. But getting a cheap quote for oneself is not an easy job. In fact there are various facts that one needs to keep in mind while looking for good car insurance. Some of them are:

• Type and condition of car owned – The type of car owned by the individual influences the price of the quote put forward by the insurance company to a large extent. The amount may be less if a car is new as the car is already in a good condition. But if the car that needs to be insured is old or is second-hand or is out of shape then the quote amount is generally very high. This is because after the insurance company takes in to account the condition of the car it evaluates it for the probability of the car getting into trouble. If the car is old then it may give problems sooner and the company may have to shell out coverage money sooner too.

• The driver and his driving history – The insurance providers also take into account the age profile and driving history of the driver. The insurance companies generally classify people on the basis of age into risk categories. If the driver is a teenager then he is classified into a high risk category and the quote amount for such a car is very high. On the contrary if the driver is a middle aged man then the quotes may be cheaper.Companies also segregate male and female drivers into risk categories and take into account the classification as a criterion as for setting the quote amount for the individual.

The driving history of the individual is also important. If the person was involved in any sort of criminal activities or has had a history of felonies, then the quote prices are jacked up.

• Safety arrangements made for the car and locality in which the driver lives in – If the applicant lives in an area which is prone to car thefts or other crimes, and then the car insurance rates are expensive as compared to people living in safer areas. More so, if a person who lives in a sensitive area has made safety arrangements for his or her car, them=n the quote amount may be reduced.

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Article Source: http://EzineArticles.com/?expert=Subodh_Jain http://EzineArticles.com/?Facts-to-Remember-Before-Buying-Auto-Insurance&id=1805210

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