Continue reading »]]> Reader’s Question:

I’ll be getting my first car insurance policy here in California pretty soon! What are the facts I need to provide the car insurance company before I am given a quote? How are these important?

Jessica

Long Beach, CA

You’ve probably gotten yourself a new car. You must be quite excited. Figuring out car insurance policies isn’t as complicated as you think. The car insurance company basically needs to find out how much of a risk you are as a driver, and if you do get into in the accident, how much they are likely to spend for your car. This will determine how much they will charge you for car insurance premium.

So, first of all, you need to provide information about the model, make and the year of manufacture of your car. It should go without saying sports cars are expensive to insure. What is the estimated value of your car? You also need to give them your complete address there in California; it is assumed that this is where your car is kept overnight. The car insurance company would also want to find out how safe your car is in this location. So, your address factors in when the premium is determined. They would likewise ask whether you have any security alarm or immobilizer to protect your vehicle. The mileage or the number of miles you travel is also considered because the more you travel, the greater the risk. Finally, the car insurance company needs to have a record of your driving history. The safer you are as a driver, the lower your premiums. So build up a good driving record in order for you to get cheaper quotes. Good luck!