Factors That Affect a Car Insurance Quote in Santa Cruz

by | Dec 14, 2017 | Insurance

Several factors play a role in how much a driver pays for car insurance. This includes the age of the driver, their marital status, and their driving history. When a person goes to obtain a Car insurance Quote in Santa Cruz, they need to find ways to minimize the cost of insuring their car. Although gender and age cannot be modified, other factors can. The more information a person has on how a quote is generated, the better they can control the cost of insuring their ride.


The address where the vehicle is kept plays a role in how much a person pays for car insurance, and this is actually a major factor in the quote. Crime rates, the density of the neighborhood and the weather patterns are all taken into consideration. A person can request more information on their neighborhood when obtaining a quote and ask for ways to bring the cost down if it is excessively high due to location.


Unfortunately, there is nothing a person can do to change their age, but this does play a role in how much a person pays for car insurance. Young drivers, those under the age of 20, have a much higher risk of being involved in a car accident, thus insurance companies charge them more. In addition, as a person ages, their risk of having an accident increases so seniors can expect to see their insurance rates go up with time.

How the Vehicle is Used

Some people drive their vehicle only for pleasure or doing errands around town. Other people spend a great deal of time on the road as part of their job. The insurance company takes into consideration how the vehicle is used, how often and the hours in which the vehicle is normally driven. Those who drive more miles can expect to pay more, and the same holds true for those who drive during the overnight hours in many cases.

Be sure to shop around when purchasing car insurance. Although it may save time to only obtain one Car insurance Quote in Santa Cruz, doing so is a mistake. Rates can vary greatly among carriers. However, when comparing quotes, be sure to check the coverage and read the fine print. Contact Coast Auto Insurance to learn more about how to save money and compare quotes accurately. They are more than happy to help.

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