{"id":2094,"date":"2015-08-17T14:34:05","date_gmt":"2015-08-17T14:34:05","guid":{"rendered":"http:\/\/luxurycarmagazine.com\/en\/?p=2094"},"modified":"2015-09-01T14:37:00","modified_gmt":"2015-09-01T14:37:00","slug":"auto-insurance-factors-that-influence-the-premium","status":"publish","type":"post","link":"https:\/\/luxurycarmagazine.com\/en\/auto-insurance-factors-that-influence-the-premium\/","title":{"rendered":"Auto Insurance: factors that influence the premium"},"content":{"rendered":"

Shopping an insurance policy for your new car is not always an easy task. There are many online services that allow you to receive a quote quickly, or to hire a professional broker who will help you. But in any case, you will answer a long list of questions to determine just how much you will have to pay for your insurance.<\/p>\n

\"insurance<\/a><\/p>\n

Why so many questions? Simply because several factors are considered before establishing the rate that you will be obligated to pay.<\/p>\n

As you can imagine, your vehicle\u2019s make and model will play the major role in determining your insurance premium.\u00a0 Risk varies based on the type of vehicle chosen. It is believed, for example, that a sport car owner is more likely to have an accident than the owner of a family minivan. This is based on data collected over the years from thousands of policyholders in Canada.<\/p>\n

Indeed, the make and the model, as well as the replacement cost of the various components of the vehicle will be taken into account. The engine\u2019s power will also influence the final price.<\/p>\n

“When we buy a new car, we cannot forget to think about the insurance cost. Some of our customers have checked before buying, but not all, “says a representative at Gravel D\u00e9carie GMC Buick Chevrolet Cadillac<\/a><\/span>.<\/p>\n

The second important factor is the age of the driver. Statistics prove it, younger drivers have more claims than older drivers. Moreover, in the same vein, men are more at risk than women. Gender will also be considered.<\/p>\n

Your driving history is also an important consideration in the calculation of your premium. Of course, we driving experience is accessed – which effectively means that a 50 year old man who has had his license for two years will pay more than a 35 year old man who has been driving for 15 years \u2013 but the amount of past claims also plays a role.<\/p>\n

A final factor is where you plan to use your vehicle. There is no question that urban areas are most at risk and your insurance if you live in the city will be more expensive than if you live in the country.<\/p>\n

It is therefore important to tell the truth when filling out your questionnaire. You just may end up with a lower insurance premium.<\/p>\n","protected":false},"excerpt":{"rendered":"

Shopping an insurance policy for your new car is not always an easy task. There are many online services that allow you to receive a quote quickly, or to hire a professional broker who will help you. But in any case, you will answer a long list of questions to determine just how much you …<\/p>\n","protected":false},"author":3,"featured_media":2083,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[55],"tags":[353,355,354],"yoast_head":"\nAuto Insurance: factors that influence the premium | LuxuryCarMagazine En<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/luxurycarmagazine.com\/en\/auto-insurance-factors-that-influence-the-premium\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Auto Insurance: factors that influence the premium | LuxuryCarMagazine En\" \/>\n<meta property=\"og:description\" content=\"Shopping an insurance policy for your new car is not always an easy task. There are many online services that allow you to receive a quote quickly, or to hire a professional broker who will help you. But in any case, you will answer a long list of questions to determine just how much you ...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/luxurycarmagazine.com\/en\/auto-insurance-factors-that-influence-the-premium\/\" \/>\n<meta property=\"og:site_name\" content=\"LuxuryCarMagazine En\" \/>\n<meta property=\"article:published_time\" content=\"2015-08-17T14:34:05+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2015-09-01T14:37:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/luxurycarmagazine.com\/en\/wp-content\/uploads\/2015\/09\/dreamstime_s_51160388.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"533\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"David Letourneau\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"David Letourneau\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/luxurycarmagazine.com\/en\/auto-insurance-factors-that-influence-the-premium\/\",\"url\":\"https:\/\/luxurycarmagazine.com\/en\/auto-insurance-factors-that-influence-the-premium\/\",\"name\":\"Auto Insurance: factors that influence the premium | LuxuryCarMagazine En\",\"isPartOf\":{\"@id\":\"https:\/\/luxurycarmagazine.com\/en\/#website\"},\"datePublished\":\"2015-08-17T14:34:05+00:00\",\"dateModified\":\"2015-09-01T14:37:00+00:00\",\"author\":{\"@id\":\"https:\/\/luxurycarmagazine.com\/en\/#\/schema\/person\/17b65330ef121d31f3bcbec0e7db28e8\"},\"breadcrumb\":{\"@id\":\"https:\/\/luxurycarmagazine.com\/en\/auto-insurance-factors-that-influence-the-premium\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/luxurycarmagazine.com\/en\/auto-insurance-factors-that-influence-the-premium\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/luxurycarmagazine.com\/en\/auto-insurance-factors-that-influence-the-premium\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/luxurycarmagazine.com\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Auto Insurance: factors that influence the premium\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/luxurycarmagazine.com\/en\/#website\",\"url\":\"https:\/\/luxurycarmagazine.com\/en\/\",\"name\":\"LuxuryCarMagazine En\",\"description\":\"Luxury Car Review and News\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/luxurycarmagazine.com\/en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/luxurycarmagazine.com\/en\/#\/schema\/person\/17b65330ef121d31f3bcbec0e7db28e8\",\"name\":\"David Letourneau\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/luxurycarmagazine.com\/en\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/3bc3fc3cbd279050997f72ff651c9499?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/3bc3fc3cbd279050997f72ff651c9499?s=96&d=mm&r=g\",\"caption\":\"David Letourneau\"},\"url\":\"https:\/\/luxurycarmagazine.com\/en\/author\/david-letourneau\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Auto Insurance: factors that influence the premium | LuxuryCarMagazine En","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/luxurycarmagazine.com\/en\/auto-insurance-factors-that-influence-the-premium\/","og_locale":"en_US","og_type":"article","og_title":"Auto Insurance: factors that influence the premium | LuxuryCarMagazine En","og_description":"Shopping an insurance policy for your new car is not always an easy task. There are many online services that allow you to receive a quote quickly, or to hire a professional broker who will help you. But in any case, you will answer a long list of questions to determine just how much you ...","og_url":"https:\/\/luxurycarmagazine.com\/en\/auto-insurance-factors-that-influence-the-premium\/","og_site_name":"LuxuryCarMagazine En","article_published_time":"2015-08-17T14:34:05+00:00","article_modified_time":"2015-09-01T14:37:00+00:00","og_image":[{"width":800,"height":533,"url":"https:\/\/luxurycarmagazine.com\/en\/wp-content\/uploads\/2015\/09\/dreamstime_s_51160388.jpg","type":"image\/jpeg"}],"author":"David Letourneau","twitter_misc":{"Written by":"David Letourneau","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/luxurycarmagazine.com\/en\/auto-insurance-factors-that-influence-the-premium\/","url":"https:\/\/luxurycarmagazine.com\/en\/auto-insurance-factors-that-influence-the-premium\/","name":"Auto Insurance: factors that influence the premium | LuxuryCarMagazine En","isPartOf":{"@id":"https:\/\/luxurycarmagazine.com\/en\/#website"},"datePublished":"2015-08-17T14:34:05+00:00","dateModified":"2015-09-01T14:37:00+00:00","author":{"@id":"https:\/\/luxurycarmagazine.com\/en\/#\/schema\/person\/17b65330ef121d31f3bcbec0e7db28e8"},"breadcrumb":{"@id":"https:\/\/luxurycarmagazine.com\/en\/auto-insurance-factors-that-influence-the-premium\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/luxurycarmagazine.com\/en\/auto-insurance-factors-that-influence-the-premium\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/luxurycarmagazine.com\/en\/auto-insurance-factors-that-influence-the-premium\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/luxurycarmagazine.com\/en\/"},{"@type":"ListItem","position":2,"name":"Auto Insurance: factors that influence the premium"}]},{"@type":"WebSite","@id":"https:\/\/luxurycarmagazine.com\/en\/#website","url":"https:\/\/luxurycarmagazine.com\/en\/","name":"LuxuryCarMagazine En","description":"Luxury Car Review and News","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/luxurycarmagazine.com\/en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/luxurycarmagazine.com\/en\/#\/schema\/person\/17b65330ef121d31f3bcbec0e7db28e8","name":"David Letourneau","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/luxurycarmagazine.com\/en\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/3bc3fc3cbd279050997f72ff651c9499?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/3bc3fc3cbd279050997f72ff651c9499?s=96&d=mm&r=g","caption":"David Letourneau"},"url":"https:\/\/luxurycarmagazine.com\/en\/author\/david-letourneau\/"}]}},"_links":{"self":[{"href":"https:\/\/luxurycarmagazine.com\/en\/wp-json\/wp\/v2\/posts\/2094"}],"collection":[{"href":"https:\/\/luxurycarmagazine.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/luxurycarmagazine.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/luxurycarmagazine.com\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/luxurycarmagazine.com\/en\/wp-json\/wp\/v2\/comments?post=2094"}],"version-history":[{"count":1,"href":"https:\/\/luxurycarmagazine.com\/en\/wp-json\/wp\/v2\/posts\/2094\/revisions"}],"predecessor-version":[{"id":2095,"href":"https:\/\/luxurycarmagazine.com\/en\/wp-json\/wp\/v2\/posts\/2094\/revisions\/2095"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/luxurycarmagazine.com\/en\/wp-json\/wp\/v2\/media\/2083"}],"wp:attachment":[{"href":"https:\/\/luxurycarmagazine.com\/en\/wp-json\/wp\/v2\/media?parent=2094"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/luxurycarmagazine.com\/en\/wp-json\/wp\/v2\/categories?post=2094"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/luxurycarmagazine.com\/en\/wp-json\/wp\/v2\/tags?post=2094"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}