How Is My Car Insurance Calculated?
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Setting up insurance for your car? Are you getting a headache wondering why is my car insurance so expensive? To make everything a bit clearer, we’re here to take you through the factors that affect how your car insurance is calculated.
How is my car insurance calculated?
Car insurance is calculated by your insurance company and is based on how likely they think you will be to make a claim. This likelihood is influenced by several different risk factors which are taken into account during the calculations. Simply put, the higher the risk the insurer deems you to be, the higher your monthly payments will be.
Common factors that an insurance provider will consider when calculating your car insurance rate will include:
- Age: Generally, younger drivers are less experienced and, statistically, their chance of getting into an accident is higher than older drivers. Therefore, if you’re below the age of 25, you’re likely to pay higher rates. On the flipside, once you reach 70 and above, your insurance rates are once again likely to rise – this is also based on statistics of which age groups get into the most accidents and make the most car insurance claims.
- Job: Certain jobs may require you to be on the road more often or during the night-time. Your occupation may also involve you carrying high-risk or expensive equipment in your vehicle. Make sure to be very accurate when noting down your job title as it can influence your rate quite startlingly.
- Type of car: Different makes, models, values and ages of car will demand higher repairs and maintenance costs – and therefore, this will either decrease or increase an insurance rate.
- Your postcode: If you’re living in a rural area with low crime rates, the chance of accident and theft will be much lower than if you live in an urban environment with high crime statistics.
- Car security: The security measures that you employ to protect your car will also influence how much insurance you’ll pay. Also, whether your car is kept in a more vulnerable place, such as out on the street, or whether it’s housed in a secure garage, will also influence this price.
- How you use your car: If you’ve racked up big mileage, this indicates you use your vehicle very frequently. Therefore, your chance of having an accident will increase – and along with that, your insurance rate.
- Your claims and driving history: An insurer will want to know your existing driving history, if applicable. Points on your licence and past insurance claims will be examined and will factor into the final rate. Of course, this is not applicable if this is your very first car.
- Health condition or disability: The DVLA and insurance providers require you to disclose relevant health conditions, such as physical disability, mental health illness or a hidden condition such as epilepsy or narcolepsy. However, under the Equality Act 2010, an insurance provider is not allowed to deny you cover or increase your insurance rates just because you have a health condition or disability. But, they can do either of these things if there is reasonable, reliable and relevant evidence to support the notion that your condition may increase your risk while driving.
How to choose an insurance company
As well as the above factors, the answer to why is my car insurance so high? can also be affected by the company and policy that you’ve selected. The simple truth is that the rates of some companies will be a little higher than others – so make sure to shop around to compare. The excess you’ve agreed to pay on the insurance premium will also influence your monthly payments, too. And of course, always remember to look at reviews!
Owning a car means keeping your eye on the ball, and taking care of maintenance issues as and when they arise. Here at 1st Call Windscreens, we carry out high-quality repair and replacements for any vehicle in Kent – keeping your car in roadworthy condition long into the future. Get in touch for a no-obligation quote and we’ll come out to you, whether you’re at home or at the roadside.
1st Call Windscreens
Hello and welcome to 1st Call Windscreens. To put it simply, we offer the best windscreen repair and windscreen replacement services for customers in Sittingbourne, Maidstone and the rest of Kent.
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- Reviews.io
we are very happy with the repairs carried out and the speed of the response. Great job, would recommend !st Call Windscreens any time....
- 1 week ago
Excellent service. A niggling leak on the windscreen was fixed quickly and efficiently. The screen was removed without fuss or damage and resealed. It's a job that insurers won't touch,they only de...
- 3 weeks ago
Discovered my Volvo V50 was not sealing at the top. Autoglass wanted to replace it for £700, called 1st Call and they removed and resealed it for £100+vat and said that if it had broken it would only ...
- 1 month ago
Absolutely the best. From the first phone call to collecting my car with new side window that had been vandalised being replaced. next day service so my car was back on the road promptly. Extremely ...
- 1 month ago
Excellent Workmanship Good Value and Top Quality Customer Service: I recently had my Ford Fiesta ST heated windscreen replaced by 1st Call Windscreens, I couldn't be happier with the whole experienc...
- 2 months ago
Brilliant service. Would recommend 1st call windscreens to anyone looking for an efficient service. Friendly and helpful above and beyond ! 0...
- 2 months ago
Asked for a quote online which came through quickly. Just £48 inc vat for windscreen stone chip. Phoned to book a repair. I could either take the car to them or they would come out to me the next day....
- 3 months ago
Tom turned up on time, he was professional but friendly, he kept me informed on what he was doing and progress, and did a great job! Thanks Tom. Would highly recommend...
- 3 months ago
I needed my windscreen replaced due to a large crack; I was booked in straight away and I couldn’t be happier. They came to my house to fit the replacement, only took them about 20 minutes and they ev...
- 4 months ago
Couldn't be happier, had my Evoque windscreen re sealed as was leaking. Highly recommend 1st Call Windscreens. The guys were extremely helpful & friendly both on phone and doing the work. The work was...
- 4 months ago
Fantastic service, booked for a site visit to alleviate any disruption to the engineers day and it all went seamlessly. I would definitely recommend 1st Call Windscreens and will use them in the futu...
- 4 months ago
Customer service were great responded to my call out vey quickly and the guy that came out was very nice and helpful Thank you...
- 5 months ago
Had my chip fixed at my home this afternoon - cannot praise the service enough!!!! Lovely man who took 10-15 minutes - perfect job and no issues - very good price and highly recommend them Jo Seveno...
- 6 months ago
Very helpful and carried out a repair at very short notice on our way to catch a ferry. Very polite and stabilised the chip in our windscreen so that we could continue abroad for our holiday uninterru...
- 6 months ago
Made a call to 1st call windscreens as I was worried about a chip in my screen. The guys were very helpful, turned up on time and carried out a fantastic repair and was cheaperthan my insurance acce...
- 7 months ago
We had an emergency windscreen repair needed when travelling down from Oxfordshire to Kent. The Sittingbourne team went out of their way to help us at very short notice and allowing us to resume our j...
- 7 months ago
Jake was friendly, polite and helpful. He left no mess inside or outside the car and took away the boxes the seals came in even though they were supplied direct by the BMW dealer....
- 8 months ago
Arrived on time at my home address. Was very professional, polite and efficient. No hassle and no mess. Screen was replaced on my mini in no time at all and looks perfect. Thank you will highly recom...
- 8 months ago
So happy with Byron and Jake today very friendly and professional from 1st Call Windscreens Ltd. They come extremely well prepared with attention to detail. A great job was done on replacing my wind...
- 8 months ago
1st Call windscreens are absolutely 1st class. Spoke with David on the phone and he was so helpful and knowledgeable. Took our car up to them to advise on the correct windscreens which embarrassingl...
- 8 months ago
George west from 1st call windscreens Ltd was quite friendly and managed to do a fantastic job on my stone CHIP WINDSCREEN....
- 8 months ago
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