How the garage or have no effect on your insurance

Insurers stipulate the price of a policy for car insurance based on the risk they are willing to assume and the coverages that protect the insured for each claim.Knowing a little more detail the way in which insurance companies evaluate the risks and therefore premiums receivable, we try to get our insurance pay less.

Risk Factors
Insurers use up to 30 variables to calculate the price of their insurance company and each given a specific weight. By a calculation involving all these factors, we obtain a result that allows to know the premium to be paid by each driver to insure your car.We can divide the various factors affecting the risk as they relate to the driver or the vehicle:• Factors associated conductor: Age, length of your license, marital status, area of ​​residence, bonus, claims history, etc..
For example, the age of the driver each insurer classifies drivers by age, sections must not be the same for all, and each is assigned a risk characteristics and a fee.Similarly, the price is different for a single man to a married woman. In general, women are more cautious than men, a married person is usually more responsible.Keep in mind that the variables related to the history of accidents are the most affect on car insurance rates.• Factors relating to the vehicle: make, model, engine, performance, overnight parking in garage, use type, annual miles, etc ...
The risk of an accident at high speed is much higher with a car of 300 hp with a 60 hp utility.It also influences whether the car is parked in a garage or on the street.Since the premium depends on these factors, we are required to notify the Company of any change in any of these factors to determine whether it corresponds to an increase of the price of the policy or not. In the event that there is an increase in risk is likely to pay an additional amount.

Save the car in a garage
Having parked the car on the street means more risk of it being stolen, scratched, etc.., From that of someone who keeps the car in a garage.While it is virtually impossible to prevent theft or damage to the vehicle in a garage, it is obvious, however, that the risk of an accident occurring is much smaller.Therefore, insurance companies (some, not all) make a distinction if the car is parked in the garage one day, or only at night, or both at once. Moreover, there are companies that make a distinction between whether the garage is is individual or collective.Essentially, the probability of theft in a communal garage is much greater than in a single garage, because the thief needs a lock'' force'' extra, which gives access to the single cabin where the car is parked.How it affects the price to park in a garage
#The discount applied to the premium is different and depends on the insurance company to the policy we hire car. The discount rate we apply mainly vary if the garage is individual or collective, if it is covered or not. Insurers discounts apply uneven, considering where you park during the day and at night where, although many insurers, all we ask is the type of garage.The cost of renting a parking space, especially for those living in a big city, it will be difficult to offset the discounts that we can do our insurance company. However it is an additional factor to consider in deciding whether to rent or not, certainly not everyone has come to raise.