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How do you estimate your car insurance?
Is there any way to estimate your car insurance? I'm nervous about how much my premium is going to cost. I was wondering how I can estimate how high it'll be in advance.
Joshua Levy · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Car insurance
rates are tricky, so it’s normal to feel a bit nervous. Generally, it’s challenging to estimate your car insurance rate because different providers use different algorithms to calculate your premium. But you can still get a good idea of whether it will be high or low by understanding what factors they take into account. Here are some of the biggest factors providers consider when deciding on your premium:
- Car make and model
- Age * Amount and type of coverage
- Driving record
- Location
- Credit score
- Car insurance history
While these factors won’t help you calculate an exact number, you can use them to understand your level of risk as an insured party.
For example, a 19-year-old driver who has already been in an accident would be a higher risk to insure. Consequently, they would have a
high monthly premium
. If you’re still worried about your monthly rate, shop around. Collecting quotes from multiple companies is a good way to see what your cost may be.
You can also try
Jerry
. A licensed broker, the Jerry app can help you gather and compare affordable quotes for free. That way, you always know you’re getting the best available deal on car insurance. View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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