One of the first things a new driver may ask is how much is car insurance?  Unfortunately there is no one answer to that question as there are so many variables involved in calculating how much a driver will have to pay.

Among all the things taken into account, the zip code where the car is registered is one of the most important.  If you live in a city with a large population, the risks of you getting into an accident are higher; therefore if you live in a rural area, your car insurance will cost a lot less.

Your vehicle will also be looked at especially the engine size, the value, and how many safety features it carries.  The more safety features your vehicle has, the lower your premiums will be, again this all lessens risk.  By having a car alarm there is less risk of it being stolen.  By having air bags there’s less risk of severe injury.

The next factor of the how much is car insurance question is the driver.  How much experience does the driver have, has he had accidents, speeding tickets or tickets for moving violations.  Everything is taken into account and the risk for the car insurance company assessed.

Gender also comes into play, a female driver on average pays 30% less than a male driver, simply because women have fewer high speed accidents and tend to stick to speed limits and drive less high-powered vehicles.

Occupation comes next as people who have certain occupations are deemed to be less risk, and these tend to be office workers and professionals such as bankers and teachers.  They are considered less of a risk than others such as professional football players or those who are in the entertainment industry.

You also want to get the best and most affordable coverage.  Even by using the same information online you will see how the quotes vary widely, if you are in the least bit confused when you ask how much is car insurance, ask an experienced agent, he can help.