First of all, to insure the prices of cars is higher, the higher its auto insurance costs are.This is easy to understand.For example, you want to buy a 2005 $125000 worth of Mercedes, and friends to buy a 2005 Toyota corolla, only $12000, price is 10 times, thus insurance price is different also.
Second, policy-holder can have the car's acceleration, the better (in the United States are typically from zero to 60 miles per hour speed measured in the time), the greater the power, higher insurance premiums.
Sports cars, for example, the acceleration performance than the average car performance is good, according to statistics, sports car in a car accident when the speed is faster, damage is relatively larger, so the car insurance is insurance cost is much higher than cars.One of my friends have a two door two small cars Toyota MR2, the price of the sports and his price is the same as the other a nissan car, small but Toyota MR2 car insurance cost is higher than the nissan's insurance costs a lot.Insurance broker said: "MR2 is a good starting and accelerating performance and speed of the car, the faster the speed, the risk is relatively higher, so the insurance premium is higher, this is not my own, but the insurance company according to hundreds of different types of cars in a car accident caused by the consequences of statistical results, is based on science."
Third, buying a car insured lives region and insurance costs of relationship is very large.A city in the United States, and another city car insurance will have a big gap.In most cities and rural auto insurance is also different.In New York, for example, car insurance costs than live in rural Alaska wilderness of insurance cost much higher.Because in New York City driving, people more cars, more higher risk of accident, the possibility of the car was stolen.But, if you live in rural Alaska wilderness, 3 days to see a person, the chances of a crash is much smaller, the likelihood of a smaller car was stolen.In addition, the regional public security is good, you live in your car parked in a garage in your house, every day the insurance cost will be relatively lower, all of these details in an insurance company can have a very detailed statistics.In New York, a man driving a car haven't had any accident, 10000 kilometers, it is a miracle, you are a superman.Because in a big city like New York, there may be accident happening every time.So, each insurance company according to the statistical investigation of you live area, established a regional price form.A region where you live the insurance premium of pay are not the same.
Fourth, the insurance company in insurance costs will also consider policy-holder driving distances every day and every year about mileage.In theory, the longer the driving mileage, the greater the likelihood of a car accident;The shorter the driving mileage, the smaller the possibility of a car accident.The insurance company will according to the address you live to work in your company, the distance between amplitude to calculate your insurance cost, the indicators in each insurance company is also have very detailed provisions.
Fifth, the age of policy-holder insurance is a very important indicator.Generally speaking, the young man in his 20 s insurance cost is quite high.The various insurance companies in the United States through many years research on people's psychological behavior, worked out a set of scientific standards.The insurance company will according to the age of policy-holder, in accordance with the provisions of the insurance company to make insurance costs.The smaller drivers' age, driving experience is relatively less, at the age of the higher auto insurance premiums as the growth of the age, the insurance cost will gradually come down.
Sixth, marital status, buying a car insurer for buying a car do you have any children, how many will have impact on the insurance costs.Have insurance broker said: "it's a matter of course, if you're married, you have a child, from the perspective of psychology, you can aggravate the sense of responsibility, will be more careful when you are driving, because your life is no longer you, is no longer a single one, you have a family, you have a caring, you will be more stable, more careful driver, there was a situation would not be single as easily excited."
Seventh, the time of policy-holder has a driver's license in the insurance fees above reflect clearly.If you just get a driver's license in the United States, your insurance fee will be very high.No matter you in other countries have many years of driving experience, if you just get a driver's license in the United States, the high cost of your insurance to your tongue.Someone get a driver's license in the United States has more than 16 years, car insurance for all risks is less than $500;But, if he had just taken the motor vehicle driving license, insurance costs nearly $3000 every six months.
Eighth, driving record is in the United States buy car insurance, an important indicator of measure insurance costs.If you have a good driving record, insurance costs will be lower, and a year of insurance lines will also have certain amplitude decreasing.But, if you had an accident, then sorry, insurance costs will increase a lot.In Ohio, the insurance company that has a called Sentury, requirements for auto insurance is: without any traffic accident 9 years.Where to buy the other liability insurance premiums for 6 months only need $99, if you have a second car, then the second car for six months only $88.But, once your car out of the car accident, the company will not then give you insurance.
9, the number of buying a car insurer owned cars, is also a factor in the cost of car insurance.If a person has more than a car and in the same insurance company car insurance, or more than two cars in the same residential address of motor vehicles, the insurance company will give you a discount, called car allowance plan.Usually a person in a second car insurance, can have up to 20% discount.Similarly, a policyholder's third, fourth, and even more vehicles can get the corresponding discount.Some insurance companies, providing service is not confined to car insurance, they also provide room house insurance, property insurance, etc.If you purchased a home insurance from them, and they buy car insurance, at the same time, then the insurance company will give you a better preferential conditions.So, in the United States to buy insurance, the several commonly buy insurance at the same insurance company, so we can have a good discount
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