Q:

What factors affect an AIS insurance quote?

A:

Quick Answer

Driving records, location, vehicle type and type of driver all go into determining AIS car insurance rates, according to AIS. Credit score, annual mileage and where the car is driven also might affect the rate a person pays for their AIS car insurance.

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What factors affect an AIS insurance quote?
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Full Answer

Driving experience, marital status and gender all influence the rate of car insurance, as reported by AIS. For instance, new male drivers often pay more for insurance because they are more likely to get into an accident. Driving records are also used to determine the cost of AIS insurance based on statistical risk. Years of driving experience, accidents and tickets are all considered before a quote for auto insurance is given. In most cases, people with tickets and accidents on their record pay more.

Where a person lives and drives also has an impact on a car insurance quote, according to AIS. Most of the time this is based on the rate of accidents in the zip code where the driver works and lives. Vandalism and vehicle theft are also calculated into this.The type of vehicle a person drives also has a determining factor on car insurance rates. This is determined based on the average repair cost of these vehicles as well as the safety features a car has.

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