What Determines My Car Insurance Rates?

C-I car-insurance.com What Determines My Car Insurance Rates? The angle of each slice equals the estimated weight assigned by most auto insurance Best (Least Expensive) Case Scenario Aoverage Driver Worst (Most Expensive) Casesmi companies Theft Protection Devices (or Parking Indoors at Night) 1% The area of each slice equals the dollar amount each insurance determining Factor Occupation 2% Insurance Deductibles 4% Credit Rating 3% an cost yo Your Insurer and Your Policy 5% Driving Record and Claim History 35% Location/State 8% Gender 5% Your Car 13% Age and Marital Status 25% Soenario 1: S2100 per year Soenario 2 S5492 per year Soenario $643 per year 18 year old unmarried female 35 year old unmarried male 55 year old married female -1 speeding ticket & 2 comprehensive claims within one year Car: 2002 Honda Giyic -0 tickets or accidents in 3 years Car: 2001 Chevy Tahoe -State: Vermont - Poor credit score - Has average insurance deductible -Occupation:home-business owner Car garaged at night, Lo-lackinstalled -2 tickets on recoed and 1 at-fauk accident - Car: 2007 Porsche 911 Camrera - State:Washington D.C -State New Vork -Excellent credit score -Below averaqe credit score - Has high insurance deductible -Occupation: student - Car not garaged at night. No alarm - Has low insurance deductible -Occupation:lawyer -Car garaged at night. Lojack and alarm instaled Did you know? The average American adult forks up around $80,000 for auto insurance in their lifetime. The average American pays $1,560 per year on car insurance. Driving Record and Claim History Gender 9945678292 • Your drving record has by far the largest effect on your insurance premiums. All ele being equal, racking up a bad driving record can easily double or triple your premiums and even get you kicked off your policy! • Women are 10% less kely to have a moving violation . Wnmen tyrpicalty have cheaper vehicles than men-around less then mens cars ($22815 vs. 524,861, Nspectively TICET • There's a huge difference in insurers"surcharge schedule" - the predetemined amount your insurance will go up for each type of incident. • Women pay 10% less than men in average. Insurer's Surcharge Schedule Location/State • Texas and Califomia account for 1/3 of ALL auto thefts in the US This affects residents rates, among other local factors. 160% 140 120 100% Your Insurer and Your Policy • Simply getting agood deal is one of the easiest wwys to sve money Don't settle for a lousy deal - use our site (car-insurance.coml or one ike it to ind the best auto insurer and policy for you 40%-