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What data influences the price of a car insurance?

Autos y Motos

13.01.2018 a las 17:24 hs 0 1 0

What data influences the price of a car insurance?

How much is the insurance of a car?

To find out how much the car insurance is worth, you must take into account some personal characteristics of the driver and the vehicle that are determining how much your car insurance costs.

First of all is your ID number, it has an important influence on the price of a car insurance as it acts as an indicator of the driver's behavior. The insurers have a database that is updated every so often with the claims reported and in this way verify if you have had any in the past.

Another point to evaluate is the history of fines. The companies consult if you have had subpoenas and with this information they give a qualification to your behavior as a driver. This information is key to determining how much a car insurance is worth because if you register many fines or losses associated with your card number, the rate will be higher. Similarly, if you do not record a significant number, the value of your insurance will be lower.

The driver's age will also cause the value of car insurance to vary. Statistically, an 18-to 23-year-old person is much more likely to suffer as well as adults over 65 years of age. The "ideal" driver for the companies is between 40 and 50 years old, since they are the ones who record fewer accidents, therefore the prices of their insurances are lower.

Your marital status and geographic location are also variable that influences the value of the insurance premium. If you are married, the value of the insurance is lower than if you are single, widowed or divorced; This is because historically the number of claims has been lower among married people.

On the other hand, some insurers establish geographical risk zones according to the population density and the transit of vehicles of the city.

Finally, to know how much the insurance is worth of a car, are the characteristics of the vehicle-like model, Mark and year of the car. The value of the insurance to vehículosdependerá the cost of the spare parts and their availability in the market, the more expensive the spare parts, the more expensive the insurances of that car.

As you can see, insurers classify their customers and their circumstances to assign insurance rates. Quoting and comparing between several options before purchasing the insurance for your vehicle will help you save money and hire the most suitable coverage for your needs.

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