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There are a number of factors that influence your insurance premium. Each factor is a statistically based risk for a particular sector of the population. The higher the risk, of a person who is likely for their insurance. Outlined Below are the main criteria used by insurance companies to calculate premiums, driver gender, miles driven per year, the purpose for the use of the vehicle, for example, whether for work or pleasure.

Age: Statistically, drivers under age 25 are at greater risk that an accident than those over 25 years. Drivers aged 50 to 65 generally have the safest records, and as a result will pay less. (Of course, older drivers, on average, less time on the road and as a result pay less for their insurance.)

Gender: Women are statistically safer drivers, but this trend is changing more female drivers on the road. Today, there are many companies taking out insurance for women only, so you benefit from reduced premiums from these companies.

Marital status: A married person who pays less than a single person with the same driving record. And you can also benefit from reduced premiums, if you and your partner with the same insurance company.

Online Insurance: To their overheads low, many companies offer generous discounts if you opt for the insurance online. Sometimes this can mean as much as a 15% discount on the premium, so this should not be over-looked.

These are 4 of the main factors, but also in the increasingly competitive insurance market in the numerous companies with a number of other criteria to determine the exact premium. The following are some, but not necessarily all of these criteria.

Location: Where you live can make a big difference. People in areas with little or no traffic is probably less than the insurance on the life in crowded cities or suburbs because areas with a lot of traffic tend to see more accidents. Postcode Some have a higher motor vehicle theft, in a higher premium.

Driving offenses: Having an accident or points on your license, you can rely on a higher risk for accidents, and this will lead to a higher premium. Some insurance companies will penalize you for your host for more than five years from when the event occurred. Note, however, as you improve your recording, your premium to gradually lower.

Vehicle type: A cheap car will cost less than an insurance, the top of the range with the "bells and whistles." Some insurance companies are now on 'Green' cars that have lower premiums.

Accident damage: A clean driving record that is free of accidents will be a lot better than many smaller crimes go.

Occupation: The insurer has a correlation between the profession and the perceived risk. For example, a representative, on the road for 1000's of miles per year, with more likely to have an accident than someone who has a desk job.

The distance to work: Once again this is all about time on the road, which in turn means an increased risk could be an accident. Especially if your job is located in an area set up.

Miles driven each year: Directly in connection with the above. When applying for insurance and make sure that an accurate estimate of the mileage, because there is a substantial difference to your premium.

Years driving experience: The years you have driven without a claim that is also a big difference.

Business use of vehicle: If you use the vehicle for business use, then this will increase the premium.

For the first time drivers: Ir-regardless of age, you have to pay higher premiums to the insurance may cover up history.

Vehicle alarm fitted: Plus the type of alarm is also incorporated an influence on your contributions.

Several cars: Several cars in the household and with the same insurance company to insure all the cars will contribute to the premiums.

How do I ensure that I have the lowest premiums?
The Internet is so much easier, a lot of quotes from a number of insurance companies. There are also many companies, especially in politics for young people, women and older drivers. So look around and compare offers time and you will be pleasantly surprised at how much you can save by using just 1 hour from insurance premiums homework.

Paul Hockney is a specialist, which offers car insurance new driver car insurance tips and best insurance reviews.