The criteria
The criteria for measuring the cost of your auto insurance :
Before any insurer assesses the risk, why you asked about her subjects to establish adequate insurance to your profile. It is free to not want you to listen to your answers. The insurer you do then you a proposal outlining the guarantees provided and the contribution. If you agree and you do not reject this proposal, the mutual commitment is entered into.
It was around 4 objective parameters that your insurer calculates the premium. I say “objective” because they arise from non-statistical tools and the personal appreciation he has for the client.
Therefore included:
- The car itself
- The area of movement and normal garage
- The use of the vehicle
- The profile of the usual driver of the vehicle
- History of insurance of the same conductor
The driver:
You are still the key benchmark! Master of his horse, his profile is crucial. Do not lie about his identity, that you will return again very expensive! If the third is seriously injured and subsequently disabled, the costs are so heavy that a lifetime is not enough to cover …
It Be honest in your interest, declare the usual driver and occasionally allowed people to drive the vehicle.
Your insurer will adjust the premium depending on:
- Age
- Gender
- The power of vehicle
- Length of the permit
- The status of your bonus / malus
- The number of claims that you have suffered or caused
Contrary to popular belief, women have fewer accidents than men, they benefit from a discount!
The background:
The past always catches up to you, your insurer will ask you the survey information provided by your previous insurance company. Details about your troubles are all mentioned. All claims must be reported, they write a story that says a lot about you (or not responsible accident, theft, fire …)
Attention, not n’esquivez statements, it is a golden rule, be as transparent as clear water with your insurer! Anyway, thanks to a computer system called the act, insurers can immediately discern the lie of the truth.
By being clear, you will be better insured, your premium will be fair and you can always negotiate! There are plenty of insurance companies, you know to haggle. More information you can follow this link carinsurancerates.com
The scope of service or garage:
Plus the place where you live is urbanized (and therefore demographically dense) the greater your likelihood of being involved in an accident. Your insurance will be more generous towards a driver living in the countryside.
Note: Do not fraud, for example by giving the address of your house, the ALFA is an agency that specializes in tracking down assurés liars. If you discovered that you can be very costly all the costs including those of third parties is at your expense, they are sometimes are pharamineuses …
Obviously, on the garage if the vehicle is placed in a private and closed and not in a public street, the insurer takes into account and deducted from the premium.
Use of vehicle:
The premium varies depending on the type of use of your vehicle: thus a rolling a retired twice a week unless a pay professional conveyed, to be highly mobile.
Vehicle:
You declare it very simply by showing your logbook to your insurer. He will find all necessary information, except the equipment that you have added and you need to be noted.
Increase the “aggravating circumstances”:
These increases come on top of drivers who have somehow playing with fire with risk behavior. In this case the insurer is seriously the premium: 50 to 200% of the premium reference depending on the circumstances). This increase does not depend on the bonus malus.
The insurer sanctions when:
- The insured has committed breaches of the codes of the road (drunk driving, hit and run …).
- The insured will see withdrew his driver’s license for more than two months.
- The insured caused a high number of claims.
Warning! These aggravating factors are cumulative and may increase the insurance premium up 400%! (This surcharge will disappear after two years without an accident).
The increase in premium for the “inexperienced driver”
According to statistics, young drivers are more prone to accidents than older, their rate exceeds the average, the insurer may decide to increase the premium if the amount does not exceed 100% of the reference premium.
This increase of drivers with a license less than 3 years, or a permit of more than 3 years but can not justify an effective insurance during those 3 years. The supplement is divided into two every year if it is no accident then deleted once two years passed without accident.
Accompanied driving is pampered by insurers: the supplement is reduced by half in the first year and eliminated the second year if the young driver did not cause any accident.
The insurer and the cost of the premium:
Insurance companies are free to choose the amount they want. But competition forces the prices vary between companies.
Generally the most competitive rates, lowest, are offered by mutual and professional insurance online with an Internet service.
Rates are formally communicated to the Ministry of Economy, and the insurer will provide an assured future, an estimate according to the tariff established by his company.
Therefore, we strongly advise you to increase the requests for quotes and compare to find shoes to fill.
