The rate is based on two main things; statistics, and the financial health of the company offering you the quote. The statistics that are used are collected from decade's worth of accident data and can be used to predict, with great accuracy, how likely a certain type of driver is to be involved in an accident.
For instance were you aware that men are far more likely to be involved in an auto accident than women? For this reason men pay more for their auto insurance than women do on average. The same is true of young drivers. Younger drivers are the largest group of people that have been involved in an accident. This is why they pay the most for auto insurance out of any group.
The fiscal health of the company is used because if a company is doing well financially they are in a far better position to offer specials and deals on new policies. The way to find out which company is willing to offer you the best auto insurance rate is to shop around online.
Shopping for quotes online is the best way to compare each company. All you need to do is request a quote from each insurance company online and within a few minutes you can compare the rates side by side.
The company that offers you the lowest auto insurance rate is the one you should choose for your next car insurance policy. The whole process will take about a half an hour and you may save up to five hundred dollars on the policy.
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