What are the main factors that affect the auto insurance?

The car is our daily life can see the means of transport, to bring us a lot of convenience, but in our enjoyment of its convenience at the same time, also brought trouble to our life. For example, we need to buy   car insurance for our own car. Car insurance depends on many factors, some factors you can not control, but some factors you can control. The following are the main factors that affect the premium of auto insurance:

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Driver’s age and driving age: you may not know that one of the factors that affect car insurance is your age, if you are less than 25 years old and driving for less than a year, the premium may be increased by at least 15-20%.

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Accident and traffic fine record: drivers who have had a traffic accident or have received multiple tickets for traffic violations will pay a higher premium. If you have had an insurance claim in the past, the insurance company will charge you a higher premium. If there is no claim record, you will be eligible for a reward that will cover your premium.

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Vehicle age and coverage: there is no doubt that the new car repair or parts replacement costs are higher, so you need to buy a full vehicle insurance to be more comprehensive car protection. The old car can choose a relatively affordable third-party liability insurance.

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Original or non-original repair: an important clause in the insurance agreement is repair. Your vehicle can be repaired by an official brand dealer (also known as original repair) or by a non-original repair shop approved by the insurance company.

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At the end of the article, I would like to remind you that in order to avoid unnecessary troubles before the insurance of the car insurance, the owners and friends should carefully study the insurance terms, understand a variety of auto insurance products including what the scope of claims, in order to clarify their rights and interests, in order to more rational use of vehicles, in the event of an accident, but also to avoid falling into a dispute.

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