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Stuff that determines your car insurance premiums
We know that most of you will say that there is no need or point in us writing this article as this is the sort of things only car insurance agents should know about.
However, we believe that this is not the case and that you should be well aware of everything that goes into calculating the premiums that you will pay for your car insurance. For one, it is good to know stuff like that and it is also important to know because there are some things that you can change and get better deals on your car insurance.
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We will start with things that you will not really be able to change. Some of them can be changed, but let’s just say it would be too drastic to do just to lower your premiums. For instance, you will probably not get married just in order to get lower premiums. And you could, if you wanted.
Married people pay less for their car insurance. Remember that it is all about statistics and that you will be reading about things that do not make too much sense.
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You might also want to change your profession in order to get better deals, but let’s be honest, you would have to be silly to do so. Namely, there are professions that are considered to be “safer” in a way and which carry with them lower premiums.
The converse is also true, with certain “high-risk” occupations being influential in the opposite way. Your age is something you definitely cannot change and that plays a major role in determining your premiums. For instance, young adults and elderly are for once in the same group, the high risk one and they need to pay more.
There are, however, things that you can change and without too much trouble. For instance, you can make your driving history and driving record as clean as possible by avoiding tickets and other signs that you are not the safest driver in the world.
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The reason why this is important is that you can, over time, turn your driving history in an admirable one, a history that will mean lower premiums.
Yur car also plays a huge role, maybe even the biggest one when it comes to how big your premiums are going to be. For example, when you compare the insurance premiums for a car that is worth £6,000 and £100,000, it is understandable that you will not pay the same premiums.
However, you might be surprised as to how big the difference is. The problem with expensive cars is that they are both very expensive to repair and that you are also more likely to drive them fast and to get into situations that are, once again, considered high-risk.
of course, this is nowhere near to all the factors that play a role when a car insurance company is calculating your premiums, but it is a good indicator of what you can expect.
Remember that there might be things you may change that will bring your premiums down and if this is the case, why not do it?
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