Typical car insurance premiums have become a matter of concern, especially for people who want to purchase car insurance. Insurance quotes for the same car can vary considerably between three different insurers. Listed below are the guidelines that insurance companies base the determination of premium rates on. nnOne of the important factors that determines whether the client has to pay low or high premiums is the age of individual involved. Particularly, the insurance firm wants to know, whether the client is above the age of 25 or under it. For instance, clients above the age of 25 years pay lower premiums as compared to those below the age of 25. nnYour current job is the second most important issue effecting automobileinsurance premiums , aside from age. For clients, who work in an industry such as law or banking, insurers offer them better insurance terms, as compared to those who work in more exciting jobs. nnGender itself is considered a major factor when it comes to the typical auto insurance premium. Generally, car insurance costs less for females than it does for males. It's because this group is involved in fewer traffic mishaps. nnThe amount paid for determines the premiums is driving experience. Also, insurance companies research past driving records and look for points on your license. Drivers having good driving record pay lower monthly installments as compared to those having poor driving records. nnOne more important piece of information that changes monthly rates is the condition of the vehicle, including safety features, age, and manufacturer. Expensive cars such as Jaguars and BMWs carry higher premiums than your typical Ford.nnCar insurers typically evaluate a car by examining the make, model, mileage, year, and engine capacity. These factors play a role in the determination of rates. nnIn certain instances, mileage driven annually by an individual is used in the determination of the premium amount. Can insurance costs are greatly determined by the place of residence. The insurance company also takes into account the car theft rate in the local area. nnMaking sure that a car is safe is a good way to save money on car insurance. In order to achieve this, people should consider augmenting the security of their vehicle to reduce the premium they are charged. It is a basic means of lowering the cost of insurance coverage on the automobile.nnOne standard feature of insurance coverage is theft. The vehicle falls under the high risk category if it is easy to steal or break into and such a vehicle will be too attractive an item for the criminals to ignore. nnThe lower the risk the lower the chances the insurer will be forced to pay monetarily. It thus, will be reflected in their monthly premiums and overall coverage costs. The websites listed below will assist you on finding out how much it will cost you. n