Great car insurance doesn’t just happen by chance. It comes from knowing what you need, knowing what you can afford, and finding a compromise between the two. Yes, there are going to be people that really want to sell you these great insurance policies, but is that really the right cover for you? Is that the insurance policy that’s going to help you the most? Not always! This is why it’s absolutely critical that you really look into every last policy that is offered to you and go beyond the initial price quote.

There are a lot of different factors that really affect your car insurance quote as well as the policy itself. Just because you’re given a low quote doesn’t mean that you’re going to get that low price forever. It’s very common to actually have many conditions where the insurance company can raise your rate or penalize you in some fashion. You just have to make sure that you focus on the factors that count.

One of the biggest factors that count is your driving history. If you are someone that gets citations quite often, it should be no surprise to you that you are getting a higher insurance quote than other people who are ticket-free drivers.

On the other hand, this isn’t the only thing to worry about. Your profession itself can raise your insurance quote. If you are in a professional that’s deemed to be riskier, your insurance premium can be much higher than someone in a safer position. Having a second driver that is in on a position that’s safer can really improve the rates that you are quoted.

Whether you pay annually or monthly can also make a difference as well. There is often a fee assessed for paying monthly, along with interest charges. If you were to pay annually then you wouldn’t have to deal with those charges at all. That’s not charges that go with the amount of money that you need to pay — they’re extra charges that benefit the company and not you.

The age, make, and model of your car are also going to be important. If you have a high value car, it’s going to cost some money to insure it, especially if you are insuring the vehicle against total loss cover and theft.

The best thing that you can do is always shop around and make sure that you ask questions. Getting the more comprehensive cover possible is really going to be the key to not just getting a new car, but being able to actually enjoy it!