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Answer by calipink22
An insurance premium will include any citations against your license as well as any accidents where a claim was filed and money was paid out. On the web quotes are bogus because they just go off the information you type into the personal system. They do not verify the information until after you have bought the policy and made your first down payment. You should go into a local insurance bureau and sit down with an actual agent. Let them run the reports and give you an exact quote. Take in your DMV report(if you have one) any prior insurance information and your registration for the vehicle. It’s always ideal to get the most sufficient quote possible. Personal agents are more costly but atleast you know what you are getting yourself into before you sign the policy

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Answer by forestwizard1
You driving history can have an impact on how much you are paying for auto insurance, but there are other factors to consider.

First of all, you said you are 20. Most insurance companies will not offer breaks or discounts until you reach 21, or in some cases, 24 or 25. One thing I would think about doing, if possible, is to get on your parents’ insurance. Have them add your car to their policy as a secondary vehicle, and list you as the primary driver. Group rates are usually cheaper than single policies.

Second, what kind of car are you driving? Some automobiles will cost more to insure, either because they have a lower accident safety rating (more likely to cause severe injuries to drivers and passengers if involved in an accident), or if they have a history of being unreliable mechanically. Another reason why some automobiles would cost more to insure is because they might have features or capabilities that would make drivers and passengers more prone to have an accident in. A good example is a lot of sports cars.

Third, what kind of coverage are you getting? Unless this is a brand new vehicle, you are leasing (making payments) on the vehicle, new or used, or if your say requires it, you do not need to buy full coverage insurance. Most says have set minimum standards as to what you should have on your policy, usually liability-only insurance (means you are at-fault in an accident). If an insurance company is licensed to sell insurance in your state, they should have all the information as to what the say would grant for minimum coverage. Some companies, like Direct or Safe Auto, specialize in minimum coverage policies, which are usually a lot cheaper than full coverage.

In regard to the coverage, did you ask for any other “special services” through the company? These could include road-side service, free tow (which might be included in road-side), and other fringe benefits. only two groups of people really benefit from road-side service: Those who travel a lot (more than 90% of their job involves travel), and those who travel long distances to get to one location (more than 50 miles), like to work or home, on a daily basis.

Other things that might help lower your rate is if you are a member of certain organizations or clubs, like AAA. Also, if your car has certain safety features (airbags, ABS system), you might get a discount. People with certain careers are considered to be more high-risk than others, so you career might cause your premium to be high as well.

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