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For the average driver, sifting through car insurance quotes can be a tedious ordeal. Insurers ask a huge range of questions, many of which seem to have nothing to do with the matter at hand. Combine this with the confusing array of choices when it comes to choosing the right quote – fully comprehensive cover versus third party, for instance – it’s no wonder that many drivers choose hastily or put of choosing altogether.

The questions asked by insurers before they give out car insurance quotes are actually to a very simple end – to find out what sort of a driver you are and assess the possible risks you might take on the road. So when an insurer asks a driver their age, they want to know what sort of driving experience they have. This also correlates to national statistics, which show that younger drivers have more accidents and therefore make more claims.

When an insurer asks a driver where they live, they want to know if they will mainly be driving in a region with high crime or accident rates, which will sadly have an impact on the rates of insurance. A driver will also be asked about the job that they do and certain inferences will be made from the reply. Some jobs – such as restaurant owner – are seen as equating with flashier, riskier lifestyles, whereas others – such as oil rig worker – indicate that a vehicle may be left unattended for significant periods of time and therefore will be more prone to vandalism or theft.

These are all pretty searching questions and when a customer wishes to add another named driver to their policy, the insurer will ask the same questions of the second driver as well – if the named driver has been convicted of a motoring offence in the past, it’s the first driver’s car insurance quote that will be higher.

It’s not just about satisfying the questions of the insurer, though. Before a driver chooses which one of the many  car insurance quotes is right for them, they need to think hard about the kind of car insurance that they need. Before they begin their application, they should consider whether cost is more important than the depth of cover – third-party cover is cheaper than fully comprehensive insurance, for instance, but there are many situations where a driver will not be covered. A driver should also consider the mileage they clock up each year – a more accurate assessment leads to a more accurate quote.

Kim has extensive knowledge in all kinds of insurance.
She has written many articles on car insurance to help find the best deals available

Article Source:http://www.articlesbase.com/insurance-articles/making-sense-of-car-insurance-quotes-1156547.html