Before you select an auto insurer, experts recommend that you get Auto Insurance Quotes Philly from at least three different companies. This allows you to compare the prices offered by different companies, and find the policy that best meets your needs. It is not uncommon, however, for someone to not understand what information affects their auto insurance quotes. Here are a few of the things that can affect the price you are quotes.
Your Age:
Your age, and the number of years you have been driving for, can greatly increase or decrease your Auto Insurance Quotes Philly. This is because certain age groups are more prone to accidents. If you are under the age of 25, or have been driving for fewer than five years, you can expect your quote to be significantly higher than someone who has been driving for over five years, and/or is over the age of 25.
Your Driving Record:
Auto insurers always look at your driving record when giving you Auto Insurance Quotes Philly. Moving violations and auto accidents within the past four to six years can affect your quoted price. If you have a clean driving record, with no accidents or tickets in the past four to six years, your insurance quotes will be low. The more accidents and tickets you have on your record, the higher your insurance rate will be. If you have a significant amount of tickets or accidents, you may have trouble finding a company who will insure you.
If You Currently Have Auto Insurance:
Another factor that an auto insurance company will consider when giving you a price quote is whether you currently have insurance, and how long you have had that insurance. They can verify how long the policy has been in effect with the original auto insurance company. One of the biggest concerns that auto insurance companies have when a person is uninsured is knowing exactly how many accidents the person has been in.
If you have been uninsured, you may have been in accidents, and just had no one to report them to. As such, you can expect to pay more if you do not currently have auto insurance, or have had sporadic coverage over the last three years.
