Reader’s Question:

Hello! I’m a new driver and next month I’ll be getting car insurance. I’m just curious since I don’t know anything about car insurance, can you tell me what affects car insurance price quotes?

Trisha

Lincoln, NE

Sure Trisha!

One important thing that you should remember about car insurance price quotes is that they vary among car insurance carriers, among states, and even among policyholders.

The average monthly car insurance depends on a lot of factors like where you live and what is mandated by your state for your car insurance policy. If you are wondering how much the average car insurance premium is nationwide, that would be $939 in a year. So given this figure it would bring down to about $80 for each month.

There are a lot of factors that affect car insurance price quotes aside from where you live or what the mandatory car insurance limits in your state is. For one, the type of car you are driving has a say on how much you will be paying for your car insurance premiums. It’s safe to say that the higher the cost of your car the higher your car insurance premiums may be.

Moreover, if you are insuring a car that is new, then your car insurance premiums will be higher as compared to insuring a used car.

Also, not only does your car type affect your car insurance premiums, but also on how long you usually drive your car. The more you use your car, the higher the chance that you may encounter an accident hence the higher your car insurance premiums may also be.

In the past, car insurance companies consider safety features like airbags, automatic seatbelts and others as one way of giving lower car insurance premiums to drivers. However, since newer cars nowadays are equipped with safety feature like those, it’s no longer a big factor that could affect your car insurance premiums. But, there are still car insurance companies who offer discounts for drivers who own car with safety features so it would be ok to consider having those safety devices installed in your car most especially if you don’t have those yet.

To get cheap car insurance quotes you can use the Web and start shopping for car insurance quotes.