What is the biggest factor in car insurance?
Some factors that may affect your auto insurance premiums are your car, your driving habits, demographic factors and the coverages, limits and deductibles you choose. These factors may include things such as your age, anti-theft features in your car and your driving record.
What 4 characteristics affect your car insurance rates?
Insurance is based on risk, so if an insurer thinks you're high-risk, they're likely to charge more. Some risk factors are obvious. If you get points on your licence you're likely to see your insurance costs rise - but others like where you live or your occupation are less so.
Why is my car insurance so high with a clean record UK?
The premium rate is calculated by dividing the sum insured by the sum assured. This means that if you have a sum insured of Rs 10,000 and a sum assured of Rs 1,000 then your premium rate would be 10%.
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