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September 8, 2020

Are You a New Car Owner? Check Out all About Car Insurance Premium and Prices

It is necessary for every car owner to purchase car insurance. One of the main things that policy buyers consider is the premium.

If you are a new car owner, then read this article to understand the factors that impact the car insurance premium.

Car insurance can be of great help to you in many situations. For instance, if you damage a third-party property, then car insurance can cover that. If your car gets damaged in an accident, then your car insurance policy can cover that. Furthermore, a car insurance plan provides cover against theft. It also provides cover against natural and human-made calamities such as lightning, earthquake, burglary, riot, strike, etc.

In order to purchase car insurance, you will have to pay the premium. There are several factors that impact a car insurance premium. Read on to find out about them.

  • The Make and Model of Your Vehicle

This is one of the most crucial factors that determine the premium amount. The premium depends on the type of car you have. For instance, if you own an expensive car, then the premium might be high. However, the premium amount might be lower if you have a standard car.

Furthermore, the fuel type of the vehicle can impact the premium. The car insurance prices for diesel, petrol, etc. cars are different.

  • Location of the Car Registration

The place you live has a huge impact on the premium. For example, if you live in an area where the traffic is low, then you might have to pay a lower premium. However, if you live in a city, then you will have to pay a higher premium. This is because the likelihood of accidents, thefts, etc. is high in cities.

  • The Cubic Capacity of Your Car

Your car’s cubic capacity also affects the premium. The higher the cubic capacity, the higher the premium.

  • Type of Car Insurance Policy

While buying car insurance, you’ll have to select between third-party car insurance and comprehensive car insurance. Third-party car insurance provides cover against third-party property damages. However, comprehensive car insurance covers third-party property damages as well as damages to your own car.

Thus, the premium of a comprehensive car insurance policy is higher than a third-party car insurance policy. However, comprehensive car insurance provides extensive coverage.

  • Your Personal Factors

Your age also impacts the premium. If you are below 25 years of age, then you might have to pay a higher premium. However, your premium might get low if you are above 50 years of age. Your marital status also affects the premium. You might have to pay a lower premium if you are a married individual, but the premium amount might increase if you are not married.

Furthermore, your driving experience can affect the premium. For example, if you have had an accident, then the premium might be higher for you. Also, if you don’t have an insurance record, then you might have to pay a higher premium.

  • Installation of Security Devices in Car

By installing anti-theft devices, you can make your car more secure. Therefore, you might be able to purchase car insurance at a lower premium.

It is of utmost importance to purchase car insurance to protect yourself from various damages. Keep the aforementioned points in mind while buying a car insurance policy.

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Hey guys it’s Adam! I am a writer, a blogger, and a curious human being full of ideas. I remember as a teenager going to my local store to grab a freshly published magazine about the ins and outs of the online business world. Read More…

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Hey guys it’s Adam! I am a writer, a blogger, and a curious human being full of ideas. I remember as a teenager going to my local store to grab a freshly published magazine about the ins and outs of the online business world. Read More…

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