It is quite hard question to answer when somebody asks “how much should I be paying for car insurance”. Even, the insurer cannot automatically give you the number if you ask that kind of question. Do you know why? It is because of so many factors used to determine how much money you have to pay for car insurance like age, place, gender, and many others.
In fact, you can contact insurer to offer you the best rate based on what you need. Of course, you have to be interviewed in order that the insurer knows exactly what you want and what you really need. It has to be known that everybody has different need in terms of car insurance like do you have to include teen in your policy, health insurance, and many others.
Thing That People Rarely Consider
All people are trying to make sure that they get low rate but complete coverage. You might be still in process to find it out. And then you try different scheme like include and exclude certain policies. However, you still have to pay high rate.
The thing that people rarely consider is about insurer. Probably, you don’t consider him or her either. Even though you know all factors that influencer the car insurance rate, you shouldn’t forget that the rate is finally determined by the insurer. Therefore, the best way is to understand insurer point of view.
Actually, insurer has one key. He or she will give low rate to people who have low risk of having car accident. In the opposite, the high rate is given to those who have high risk of having car accident.
Now, the question is that how the insurer knows which one has low and high risk? It can be found out by driving record. The insurer might do small investigation about your past. He or she will find out how many times you get tickets from the police or have accident. When you have already got car accident in the past, the insurer will find out the cause of the accident. It is bad news when you have got accident because of DUI or driving under influence.
In addition, it is about mark. Parents are always doubt to get car insurance for their teens. They know that the rate must be so high due to the fact that number of teens car accident is higher than adult. However, the story will be different when the teens have good mark at school.
So, how much should I be paying for car insurance? It depend on how you can make sure the insurer that you can avoid car accident.