Did you know that you can compare the prices of 30 insurers for free in our comparator?
Finding the best car insurance prices among the more than thirty insurers in the market can be a long and boring process. To facilitate the task we have created an innovative and simple insurance comparison with which in just three minutes you will have calculated the price of your car insurance in the main companies, including Direct Line, Direct Insurance, Genesis, AXA, Allianz and many more.
What do insurers have in mind to decide the price of insurance?
You should keep in mind that insurers use up to thirty variables to calculate their insurance prices and each company gives them a specific weight. An example of these differences would be the driver's age factor: each company classifies drivers by the age groups they consider appropriate.
In addition, each section is assigned risk characteristics based on which they define the rate they are willing to offer. While insurers such as Zurich Seguros believe that, for example, those under 25 years of age pose a risk too high to insure them, others such as Línea Directa are not as sharp and do offer competitive prices for drivers of that age range.
Other factors related to the driver that influence the rates would be the marital status, profession and seniority of the driver's license. A married person with more than 15 years of driving experience is not the same as a single person who has just taken the card: logically, a married person and possibly with children tends to be more responsible, with a more prudent behavior in the road, than a single young man with less commitment and experience. The latter is more likely to risk driving and this translates into a higher probability of having an accident, more possible costs for the insurer and, therefore, a higher car insurance price.
The type of car and the history as insured also influence the price
Several factors related to the vehicle, such as the technical characteristics, the type of car or the use that will be given to it, also have a decisive influence on the rates. A sports coupé with 250CV of power and an acceleration from zero to one hundred in six seconds is much more likely to suffer a high speed accident with serious consequences than a 54CV utility used to make the purchase or go to pick up children to school.
It also influences, albeit more marginally, if the car spends the night and / or the day parked in a garage (private or collective) or on the street, where it is exposed to more risks of minor mishaps such as broken moons, robberies or scratches And it is worth highlighting the great relevance of the variables related to the history of insurance and accident rates in car insurance prices.
This is where the differences between insurance companies are most pronounced. While some will not accept you if you have not been previously insured or have given a share last year, they can offer discounts of up to 65% for more than ten years insured without giving a single part, others will only slightly vary the price if You have had a blow with damage to third parties in the last two years.
In addition, some entities vary their rates depending on the number of years you have been in your current company, since they believe that a loyal customer is more valuable than one that is changed every year. In short, there is no way to determine in a general way which is the company with the best prices for your case. The only way to find out is to make a personalized insurance comparison. In just a few minutes you will discover how to save up to 500 euros on your car insurance!
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