Your car is one of your most expensive assets, so getting car insurance is an important (and smart) decision.
From the place where you live to your personal profile, there are many factors that affect your car insurance premium. This guide will show you how a car insurance premium is calculated and what you can do to lower it.
Your Car
Cars that are not very safe cost more to insure. Conversely you may qualify for discounts if you have a car with built-it security and safety features, and not very susceptible to theft, damage or occupant injury. Therefore, it’s a good idea to do some research before purchasing a car to make sure that the model you pick has a good safety rating and is not among the cars that are stolen more frequently.
Your Driving Habits
How often and how far you drive is also a factor that impacts your car insurance premium. For example, someone with a long commute may get a higher premium than someone who drives only during weekends or to run errands.
Where You Live
Your location is also factored in to determine how much you pay for car insurance. Crashes, vandalism and theft occur more often in urban neighborhoods, and that translates into higher premiums. On the other hand, drivers in rural areas may benefit from this statistic, as they are less likely to suffer an accident.
Your Driving Record, Sex and Age
Having a crash on your record increases the amount of your premium. Crash-free drivers, or drivers that haven’t had a crash in years, pay less. Your age and your sex also may determine how much you pay for car insurance. Drivers under 25 are consider more prone to accidents, particularly single males.
How to Lower Your Premium
There are some measures you can take to lower your car insurance premium. For example, a defensive driving course may qualify you for a discount. In addition, there are some discounts available to certain categories of drivers, such as seniors or students.
At Delgado’s Insurance we have a wide array of insurance products to protect your car so you can drive with the peace of mind you deserve.
We have locations in Riverside, California, and Bloomington, California. Contact us today by email, telephone (951-361-0084, 909-421-9003) or through our social media accounts on Facebook, Twitter and LinkedIn to learn more about our services and our mission to help you get the insurance that best fits your needs.
