Figuring out how much you can expect to pay for car insurance can be very complicated. factors affecting the cost include age, credit score, vehicle type, zip code and driving history. luckily the Hartford has a quote-generating tool so you can get an idea of what you'll be paying without speaking on the phone.
Americans spend an average of $102 per month for car insurance, this number is based on Americans who are between the ages of 25 and 65 with a clean driving record and at least six years of driving experience. In other words, $102 a month is what you could expect to pay if The Hartford views you as a more or less ideal candidate. That being said, there are many factors that can contribute to the price you will likely be paying in reality.
Some factors that contribute to the price of car insurance are driving history, credit score, age and even zip code. Plus, the type of vehicle you drive can also affect your insurance cost. For example, if you drive a luxury car, sports vehicle, or a vehicle that is more likely to be stolen, your insurance will cost more. This is because owning a high-risk car means you're more likely to file a high-level, expensive claim.
Credit score and driving history also matter greatly because The Hartford is trying to understand how responsible of a person you are. If The Hartford decides that you are not a responsible person and that you're more likely to get in a vehicle accident one day, then they are going to charge you more for insurance. That's why age is also an important factor. Insurance companies feel they can trust people between the ages of 25 and 60, outside these ages and the insurance company feels that you're either too old or too young and are at higher risk of filing a claim.
The state in which you live can also have an effect on cost. Different states require different levels of minimum coverage. Likewise, some zip codes have more auto accidents per capita than others, and for this reason, your zip code can have an effect on insurance costs.
There are a lot of different factors that affect the cost of your car insurance, and although it can be difficult to find exactly how much you should expect to pay, The Hartford allows you to easily get a preliminary quote without having to speak with a representative. Click here to begin inputting information so you can get a better idea of what you should expect to pay.
If you aren't satisfied with the information provided by this quote generator, don't hesitate to call customer service and have your specific questions answered by a real person. Click here for The Hartford customer service information.
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