How much is car insurance per month?

The cost of car insurance can depend on many variables and how much car insurance is per month can be a difficult question to answer.

There are many estimates or national average rates posted but ultimately the best way to determine how much car insurance is per month will be to compare car insurance quotes.

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Is the cost of car insurance fixed?

Yes and No. When you buy auto insurance you purchase policy coverage where the premiums are fixed for the term of policy (usually six months) however your car insurance rates can be very different than someone else of the same age and gender for the same vehicle.

Auto insurance is based on risk and many variables are used to come up with a predication of the risk you will file a future claim. This level of risk forms a base for how your car insurance premiums are calculated.

Since the formula varies from one auto insurance company to the next you need to compare car insurance quotes from many providers to ultimately get the best rates.

Some of the most important factors used to calculate the risk of insuring you are:

• Your Driving Record
• Type of vehicle Insured
• Where you live
• How the vehicle will be used
• Annual mileage of the vehicle
• Your Credit Score

Average car insurance rates are a great guide to understanding the range of auto insurance premiums for your particular vehicle but at the end of the day they should only be used as a guide.

It’s very common to be quoted much lower or higher depending on your profile.

Women drivers benefit from almost always receiving lower rates than national averages posted as most are based on male drivers and women drivers present much lower risk to car insurance companies.

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What are average car insurance rates?

Most drivers can expect to pay between $1,000 to $2,000 annually for auto insurance. The national average premiums for 2009 (published in a report by Insure.com) stated that the average national premiums were $1,430.

Residents of Louisiana topped the report with a $2,510 average where residents of Ohio, Vermont and Maine all enjoyed average car insurance rates less than $1,000 annually.

As we mentioned above its also noteworthy that this heavily quoted report was based on male drivers.

Although a car insurance bill less than $200 a month is certainly affordable for many people its very easy to save money on auto insurance by comparing providers and the savings can add up quickly.

You really want to avoid any surprises however and never purchase a vehicle without contacting a car insurance company first.

Some vehicles have excellent safety ratings which lead to numerous discounts whereas a model of similar quality and price can cost substantially more to insure.

How much is car insurance for a particular vehicle?

The type of vehicle certainly plays a big role in car insurance especially when it comes to the cost of the vehicle. One of the biggest claims submitted is a total loss claim so the replacement cost of the vehicle is very important to car insurance companies.

General the more expensive a car is the higher your premiums.

We have a dedicated section where you can read car reviews, view average car insurance rates by make and model and even learn about vehicle ratings and safety features.

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