Getting the right auto insurance quote may sound hectic as no two insurance quotes are similar. This is due to the fact that auto insurance policies are personalized for each and every driver which determines the cost. An auto insurance California company determines the cost of your policy based on how often you are to get into an accident and use your coverage. This is how they assess your risk to their company. Though auto insurance quotes are confusing, they are nothing other than the implications of your own actions, your driving history, type of vehicle, your parking location and more such concerns. Here is a list of some major factors that determine your auto insurance policy cost.

1. Factors that influence California
Auto Insurance rates

2. Getting the right auto insurance quote may sound
hectic as no two insurance quotes are similar. This is
due to the fact that auto insurance policies are
personalized for each and every driver which
determines the cost. An auto insurance California
company determines the cost of your policy based on
how often you are to get into an accident and use
your coverage. This is how they assess your risk to
their company. Though auto insurance quotes are
confusing, they are nothing other than the
implications of your own actions, your driving history,
type of vehicle, your parking location and more such
concerns. Here is a list of some major factors that
determine your auto insurance policy cost.

3. Parking space
If you park your car in a closed garage the risks
are low. But if you are parking in an open
place where it is unsafe or prone to threats
like theft and vandalism, your risks are high.
California insurance agency raises quotes
based upon such factors.

4. Your age
Your age makes a huge impact on insurance costs
and it is totally not under your control. Auto
insurance rate differs to a great extent between a
17 year old driver and a 40 year old driver. It might
be expensive for a young inexperienced driver as
there are chances to get into accidents due to lack
of experience in driving under various conditions.
On the other hand, auto insurance cost is less for a
well experienced driver who knows how to handle
his vehicle.

5. Gender-bender
Surprisingly, your gender also impacts your
insurance costs to a great extent. It is found
out that more men die than women in auto
accidents. One of the main reasons assessed
for this fact was that men tend to drive at high
speeds that often draw fatal results.

6. Marital status
Another surprising fact is that you can have a cheap
auto insurance quote if you are married. Another
interesting study shows that married men involved
in serious family relationships drive responsibly.
Therefore, a married driver is less likely to get into
accidents than a single driver. Another co-factor in
this case is the driving record of your spouse. If your
spouse has a bad driving history then there are
chances that you may have to pay high rates for
auto insurance.

7. Driving record
Your driving record in the past 3 to 5 years plays a
major role in deciding your insurance premium.
The auto insurance companies in California collect
this information to assess your abilities as a driver.
If you have not received any ticket and not gotten
into any accidents, your insurer assumes that you
are a safe driver and charges you less premium.
But if you have received multiple tickets and have
been held at-fault for an accident, then your
insurer assumes that you are a risky person to get
insured and therefore charges you more.

8. Insurance coverage
An auto insurance policy has several converges.
Though your State emphasises only a few, you
may opt for additional coverage which in turn is
responsible for the increase in your insurance
costs.
These are some of the major factors that
determine the cost of your auto insurance.