Several factors come into account when you are going to take auto insurance
- The premium prices for car insurances are calculated based on several factors. These may be slightly different from one insurer to another.
Generally, the following criteria are retained: the power of the car tax, purchase price, power and speed, location of vehicle parking at home, the prior license and insurance (the famous bonus) driver of the vehicle, the number of drivers, possibly, the mileage each year and the profession as well as the main driver sex (women are considered less dangerous than men …), the private or business use vehicle or mixed use. Note that in the case of private use of an individual, the “Driver – Bonus” evolving at the end of each annual term insurance. Starting from the basic ratio is 1, the coefficient down 5% for the year without insurance claims. It increases from 25% liable for every incident (12.5% in case of partial responsibility) occurred during the year. The premium insurance may be reduced at most by 50% and in the worst cases, increased by 250%.
- Support: from home or from 50 km?
Some insurers boast of having a guarantee of support beyond reproach. It plays whatever the location of the problem. Other insurers may only offer a repair only from a certain distance from home or place of usual car garage. The limits are often set at 25 or 50km.
- Redemption value: a big discount
In case of theft or total destruction of the vehicle, the insured may also be surprised.
He must check at time of application the amount of reimbursement, which occurs theoretically on the basis of the value set by the expert. The discounts can be significant, especially if the car is new. Upon leaving the garage, she already lost 10% of its value, and nearly 20% during the first six months. Some insurers provide reimbursement conditions improved for new vehicles (reimbursement based on the new value if at the time of the accident the vehicle had less than six months). Others offer an indemnity plus, for example, 10% for vehicles older than three, four or five years.
The other fastest way to get the right price for your auto insurance is to check auto insurance quote by online.
