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When obtaining free auto insurance quotes, here are some great tips. Policies are priced differently, according to the level of risk each driver poses. Insurance companies group drivers into categories based on the loss incurred by the insurer:

• Sex: men statistically pay more in auto insurance premiums than women
• Age: drivers who are under 25 are considered more at risk and are subject to auto insurance premium hikes.
• Marital Status: married drivers are less at risk for insurance premium hikes
• Use of vehicle: drivers who need to drive to work everyday will probably have greater premiums than those who do not need a auto for work. If your commute is during rush hour traffic, expect to pay more for your auto insurance quotes too.
• Personal driving record: your auto insurance premiums will be affected by your personal driving record, the more points your have from speeding tickets, the more your auto insurance quotes premium will be.
• Type of vehicle: value, size, weight, age, and cost of replacement parts all figure into determining the price of your auto insurace policy. Larger, heavier vehicles are considered a lower risk than smaller, lighter ones. Additionally, the more expensive the auto, the more expensive the repair, therfore the higher premium.