What Factors Determine How Much You Pay for a Car Insurance Policy?

Every state requires drivers to be insured before heading out on the roadway. While every driver must carry at least liability on his or her automobile, the price that everyone pays for their policies differ. When you are in the market for new car insurance in the Ponte Vedra Beach, FL area, you may be wondering what kind of factors are behind your premiums. These details will determine how much you pay and what kind of policy an insurer can create for you.

Your Age

When you request a quote on a policy for car insurance in Ponte Vedra Beach, FL, you can be guaranteed that insurers will ask you how old you are. Your age will factor significantly into your premiums. As a general rule, insurers charge higher rates for young drivers under the age of 25 as well as senior citizens over the age of 64. These two age demographics tend to engage in riskier behaviors while driving. They also are statistically in more accidents than drivers in other age demographics. If you fall into either age category, you can expect to pay slightly more for your policy.

Your Driving History

Your prior driving history will also play a role in how much you pay each term for your insurance policy. If you have a relatively clean driving history with few if any traffic offenses, you can expect to pay less than someone who has several accidents on their records along with numerous traffic tickets. The insurer will pull your driving record from your county’s Department of Motor Vehicles. Based on the information on this record, the company will provide you with a monthly or six-month quote that you will pay to start and maintain your insurance.

When you’re shopping for insurance, keep in mind that you can get most car insurance policies started online, and you can typically get same-day coverage which will allow you to start driving right away.

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