Car Insurance Quotes: What Factors are Out of My Control?
Money is tight for a lot of people these days, so obtaining cheap auto insurance quotes is a priority for many. While some of the variables online car insurance companies use to calculate car insurance premiums are under your control, others are not. The following can influence the amount you will have to pay for insurance coverage. Unfortunately, they’re also largely out of your control.
Your age: How old you are is one thing that can prevent you from getting the cheap auto insurance quotes you want. Virtually every online car insurance form will ask for your current age. If you’re under 25 or over 65, your premium will likely be higher than those not in these age brackets.
Your gender: Obviously, your gender isn’t something you can choose, but it will likely affect how much you have to pay for car insurance. In general, males, and in particular younger males, will have to pay higher premiums than females of the same age.
Your marital status: If you’ve tied the knot, your premiums will generally be lower than those of your single counterparts.
Where you live: While it’s true that you can choose where you live, it’s unlikely you’re going to uproot your entire family just so you can pay less for car insurance. City dwellers can, in general, expect to pay more to insure their vehicles. There are several reasons for this. Since there are more cars on the road, the chances of an accident occurring are higher. Also, thefts are more frequent in urban areas.