When people call Vargas and Vargas Insurance Agency for Boston car insurance quotes, they are always blown away by our friendly and quick service. What goes on behind the scenes is very interesting though! When you call us for an insurance quote, we gather information from several insurance providers in order to make sure that you receive the best possible insurance at the best possible price.
Each insurance provider will often quote a different price on an auto insurance policy. This is because they each use different factors when determining your quote. Here are just a few examples of factors that some car insurance companies use when determining a quote:
Your Age – The older you are, the less risky a driver you are. This means that older people pay less for car insurance than younger people (under 25).
Your Gender – Men sometimes pay more for their auto insurance than female drivers due to trends of males being more reckless.
Your Marital Status – Insurance providers know that married people are (on average) less accident prone than their single counterparts.
Your Education Level – Typically speaking, the more educated a person is, the less likely they will file insurance claims. Some insurance providers will provide lower premiums for people with advanced degrees.
Your Credit Score – Did you know that there is a high correlation between a high credit score and a clean driving record? Read some tips about how to keep your credit score high at the Vargas and Vargas Insurance sister site, First Time Home Buyer Tools.
Your Driving Record – If you have been a safe driver in the past, most auto insurance providers will reward you with lower rates.
Your Driving Habits – If you don’t drive your car very much, tell your insurance agent. You may be eligible for a low mileage discount on your premium! This is also true if you live close to your workplace.
Your Location – Where you do your driving tells insurance providers how accident prone your region is, as well as how expensive repairs will be if you ever need to file a claim.
The Vehicle You Drive – The type of vehicle that you wish to insure (sedan, SUV, truck, etc.) will affect the quote you receive. Another factor that insurance providers consider is the age of the vehicle.
Your Vehicle’s Saftey Features – If your car has certain safety features, like extra airbags and a car alarm, insurance providers will often offer you lower rates.
Your Vehicle’s Business Use – If your car is ever used for a commercial purpose (delivery, transportation, etc for a business) you will probably pay a little extra for auto insurance.
Your Current Auto Insurance – Insurance providers don’t like to see gaps in insurance coverage. Some providers will charge you more if you don’t have a current policy.
To get one of the free and comprehensive Boston car insurance quotes for which Vargas and Vargas Insurance Agency is famous, all you need to do is call 617-298-0655. One of our service-centered representatives will be happy to gather the necessary information and start the quote process right away. And make sure to recommend us to your friends and family!
