Factors that may affect the auto insurance premium.
Where are stored the car?
If your car in a garage is stored in a secure complex, the premium should be lower than for a car at night outside left in a busy.
Residential area.
If you are in a high-risk area live, your premium will be higher than in a low-risk area. Based on statistics, the risk of theft and / or hijacking in some areas more than others.
Who usually drive the vehicle?
Younger drivers tend to make more accidents than older drivers make, female managers are fewer accidents than male managers;
What are the vehicle?
mainly for private use driving factor is to business use; premium will be higher than the private user is a student who visited with his friends every night to Ma took the children in the afternoon ballet.
Security?
The insurer will stipulate the minimum security requirements based on the type of vehicle and area in which you live. If your security measures more than required for the minimum, you can for a discount on your premium qualify. Insurance company usually only give discounts for immobilisers, gearlocks and tracking devices.
Type Cover?
follow third party, fire and theft (cover fire and theft, as well as damage you to a third party's property may make) and last only third party cover (only cover damage to a third party's property, fire and theft excluded)
extras?
If you have non-standard extras such as air conditioner, sunroof, radio / CD player, leather seats etc. in your car, may be an additional premium charged for.
Voluntary excess?
Most insurers reduce your monthly premium if you are willing to pay an additional amount to your basic payment per claim. A higher voluntary excess means a lower monthly insurance premium.