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Are you currently a risk?

Ever asked yourself why everyone pays another premium for their car insurance? It is because the amount you are charged for cover is based on a statistical assessment of how much risk you pose.

Compare Insurance Quotes for Cars Quick Calculator The more risk you pose to be involved in an accident or having your vehicle stolen, the more likely it is your insurer will have to pay out for a claim.

Compare Insurance Quotes for Cars Quick Calculator

Someone with a very expensive and powerful car will generally pay more than somebody with a cheaper, less powerful car. Similarly, someone with 20 years' driving experience will tend to pay less than someone who's just removed their L dishes because, statistically, an experienced driver poses a reduced chance.

But these are only guidelines, Compare Insurance Quotes for Cars Quick Calculator and insurers take other factors into thing to consider when setting your electric motor insurance premiums. At MoneySuperMarket we regularly crunch the numbers behind an incredible number of car insurance quotes to evaluate market trends and help you get an estimation on your premiums.

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Regarding example, Compare Insurance Quotes for Cars Quick Calculator data from our latest car insurance keep track of shows that a lady from Blackpool aged between twenty five and 29 would pay an average of? 504 for cover, and a man from Telford older between 40 and 49 would pay an average of? 304.

Compare Insurance Quotes for Cars Quick Calculator Our electric motor monitor is based on data from October last year to November 2012. All of us have analysed the effect of age, gender and location on car insurance premiums to learn how much of a risk different groups are considered to be in the eyes of insurers. You can search through our data and discover the standard premiums faced by different groups using our automobile insurance calculator:

Why are these three factors so important?

We have centered on these three areas as they tend to be amidst the most influential factors when it comes to calculating auto insurance quotations or Compare Insurance Quotes for Cars Quick Calculator.

The gender aspect is particularly interesting because new piece of legislation from Europe. Compare Insurance Quotes for Cars Quick Calculator The European Court of Justice's Gender Directive means that car insurance policy providers cannot take the customer's gender into consideration when they are calculating their premiums, despite the truth that women drivers are statistically less likely to be involved in accidents.

Till now, statistically safer women drivers were generally paid with lower premiums than men, good results . the ECJ Gender Directive now in effect, the disparity between male and female monthly premiums is disappearing. Compare Insurance Quotes for Cars Quick Calculator This will not have to get reflecting in our car insurance calculator yet as it is based on data prior to the introduction of the legislation. However, it is something to look out there for in the future.

Age is still a huge factor when it comes to motor insurance premiums, as old drivers are seen by insurers to be not as likely to be involved in accident. Compare Insurance Quotes for Cars Quick Calculator Generally speaking, this is because older motorists tend to have more experience when driving, whereas young drivers tend to have less experience.

Those residing in areas with higher criminal offenses also tend to pay more for cover. Compare Insurance Quotes for Cars Quick Calculator If your postcode is at a high-crime area, insurers will weight your premiums to account for the added likelihood of your vehicle being vandalised, ruined or stolen.

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