Common Rating Factors Outlined by OnlineAutoInsurance.com

    RANCHO CUCAMONGA, CA, April 25, 2011 /24-7PressRelease/ -- Like many coverage-related questions, finding a clear answer to the question of who pays the most for coverage is difficult, since there is no particular demographic or driver profile that will always pay the most for insurance. Rather, the types of drivers who have the highest premium payments are the ones that appear to insurers to be most likely to get into serious accidents.

Insurers typically gauge that risk based on a handful of common factors. The factors that usually influence premiums the most are the age (or the number of years of driving experience) and the accident and traffic violation history of the driver. To see rates for different driver profiles, readers can get free car insurance quotes without personal info required from rate-generation services online.

It's pretty safe to say that a driver who is a 16-year-old male, has multiple accidents and violations, drives an expensive vehicle and lives in a city with high accident rates will be put in the highest risk category and will need to pay incredible amounts for auto insurance coverage.

That's because this driver profile is on the bad end of the spectrum for each of four common rating elements: driving history, age, vehicle type and geographic location.

On the other hand, a 16-year-old who drives a reasonably priced car with extensive safety features has not accidents or violations on record and lives in a low-claims area may end up paying less than an older driver who has multiple violations and accidents on record.

With the growing implementation of Graduated Licensing programs that require younger drivers to have more experience behind the wheel, though, the teen-accident may eventually get down to the level where their accident rates and perceived risk is significantly reduced.

Source: http://www.cdc.gov/

To learn more about this and other insurance issues, readers can go to http://www.onlineautoinsurance.com/quotes/no-personal-information.htm where visitors will have access to informative resource pages and a quote-comparison generator that can help consumers find the best rates and coverage providers for their particular situations.

To access the full FAQ, visitors can follow the "Questions" link located at the top of any page on the site.

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