Finding the best car insurance can be hard. Every company offers different rates and coverage based on what they calculate to be the risk. Many different factors are involved in calculating the risk which will eventually decide the cost of insurance. However, there are a number of easy to identify factors which contribute directly to the end price of insurance.
Your driving record is crucial for the insurance company to get an idea of what kind of driver they can expect you to be. Drivers with few or no accidents will get a better car insurance rate, while drives with more will see high rates. Moving violations like speeding tickets will also play a similar role in calculating the risk. Car insurance companies also consider your age and experience as a driver. New drivers with a shorter history are seen as a car insurance higher risk because they have no proven history that can be use for assessing risk.
Previous car insurance history can also reflect risk. Looking at past insurance history also given an idea of what kind of drive you have been, whether you where able to hold long term insurance with few claims and without brakes in coverage, or you switched insurance often, implying difficulties with payments or claims. With bad or no previous insurance history it can be hard to find coverage.