Bills can mount up unless you take the time to find cheap car insurance in Monterey. Generally, the choices you make when filling out the car insurance quote form will determine the final price you pay, proving how important this part of the process is. If you choose a higher level of coverage, it is possible that the premium will creep up slightly. The insurance company you work with should see you as a low-risk driver if they are to offer you cheap car insurance in Monterey, therefore you should re-evaluate your needs for insurance before handing over the cash.
Driving Record and Credit History
The more accidents you have had in the past, the more expensive your insurance policy will be. To get cheap car insurance in Monterey, you should be honest when informing the insurance company of any accidents you have been involved in over the last few years. Lying about this could land you in a lot of trouble with the law and you could be out-of-pocket if an accident does occur. Drivers who have more accidents will pay higher premiums and if your credit history is relatively good, the premium will be less than it would be if your credit score is below 600.
Age, Sex and Marital Status
The life you lead will certainly affect the price of car insurance because the younger you are, the less experience you are likely to have on the roads. Drivers aged 25 and under are much more likely to be involved in a collision than anyone over this age, therefore you should prepare for this when getting quotes for cheap car insurance in Monterey. Young, single males normally pay more for insurance because their accident rates are higher and depending on what state you reside in, the costs may differ slightly.
Type of Car and Driving Habits
The company that offers cheap car insurance in Monterey will be most interested in the type of car you drive and how often you drive it. If you will be driving the vehicle for long-distance commuting or for business purposes, the price will probably be higher than it would be for someone who simply uses it for social purposes. The reason for this is because business people will need to travel during rush hour and the busier the roads, the higher the chances of a collision. If you are on a really tight budget it is worth buying a cheap vehicle. Repair costs for a car that is valued at $300 will be less than it would be for a $20,000 car, so take this into account when getting a quote.
If you want to get cheap car insurance in Monterey for more than one vehicle, it is possible that you can get discounts on your policy. Visit us website to get insurance for recreational vehicles and automobiles.
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