El precio de tu aseguranza es la combinación de varios factores. Uno de ellos es tu carro. Las compañías de seguro obtienen información de tu vehículo para determinar cuánto debes pagar por tu seguro. Esta información es adquirida por medio del número de identificación del vehículo y lo conocemos como VIN (Vehicle Identification Number). Este es el número que encuentras en la registración de tu auto o título y es una identificación única para tu auto. Con el VIN, las compañías de seguro obtienen información que va a determinar cuál será el precio de tu aseguranza. Algunos de los puntos más importantes para tener en cuenta son:
Recuerda que estos son solo algunos de los factores que caracteriza tu auto y cada caso es único y por eso es importante que tengas toda la información que necesitas para entender tu aseguranza o para comprar una nueva. En Calidad Insurance estamos capacitados para asesorarte y explicarte lo que está impactando el precio de tu seguro de auto.
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The price calculation of your auto insurance is the combination of several factors, some of those you can control and other factors are a condition of the market or the state where you live. Basically, the type of vehicle, your driving record, the area, zip-code to be more specific, and it may or may not include your credit score. So, in order not bather you with too much info, here’s a quick review of how the price is determined and how you can get the best car insurance rate.
One of them is the type of car. Insurance companies obtain information on your vehicle to determine how much you should pay for your insurance. This information is acquired through the vehicle identification number also known it as VIN. This is the number you find on your car registration or title and is a unique identification for your car. It tells the insurance company the specifics of the car, the size of engine, the number of doors, the model, etc.
Your driving record: Just like the credit card industry keeps record of your payment history, the insurance industry keeps a record of all your driving history. That’s why it is very important to address (fight in traffic court) any tickets or moving violations that are issued to you. The higher the number of accumulated points on your driver’s license, the less incentive for the auto insurance company to offer you coverage. The car insurance company will see you as a higher risk driver, an individual who will most likely, based on prior driving history, will be involved on an accident in the future.
DUI’s and Driving while intoxicated: Of all the most damaging marks to have on your driver’s license, a DUI (Driving Under the Influence), carries the most severe consequences, not only to your driving record, but your Life! An insurance company can assume that your lack of good judgement that led to a DUI, will most likely happen again, so most auto insurance companies will rather not assume the risk and not offer you any insurance coverage at all. People who find themselves on this scenario, will most likely be force to seek auto insurance coverage thru the non-standard market.
Does the city and the Zip Code affect my car insurance premium? Yes, it does. All insurance companies use a zip-code factor to determine the probability of an accident. Auto insurance company love statistical data, and they can predict with astonishing accuracy the number of car accidents in a given city, or even zip-code, the higher the population density in a given place, the higher the probability of one of their insured clients will have an accident with another vehicle.
At Calidad Insurance we are trained to advise you and explain what is impacting the price of your auto insurance policy. We represent several different insurance companies in Georgia and South Carolina such as:
We are committed to find you the best coverage and the lowest rate. We offer Free Insurance quotes and current coverage analysis. Please feel free to pass by any of our 6 locations. Allow us to earn your business thru excellent service and professionalism.Our Locations are near you to professionally serve you: