Affordable auto insurance quotes are generally pretty easy to obtain unless either you have a terrible driving history, no driving history at all, or you’re trying to insure a very expensive car.  So if either of those scenarios is the case, well, truth be told you’re going to have difficulty getting affordable auto insurance.

Fortunately for most us, that’s not usually the case.  If we’ve been driving any length of time, sure, we’ve likely had a couple “fender benders” here and there.  And yes, maybe we’ve even been issued a couple traffic citations for minor infractions over the years.  But the good news is, even those in this category can be rated as “safe drivers” and still be eligible for affordable auto insurance quotes.  I’m one such driver myself.

As long as you, too, are in this group, the main factors that will be considered by an auto insurance carrier when preparing your quotes will be:

* The type of vehicle being insured (vehicles with larger engines and “sporty” options will increase your quotes)

* Your intended use of the vehicle (business or pleasure, how many miles annually, etc.).

* Where you live (rural or urban).

* Where the car will be parked overnight (garage vs. curb-side).

* Whether there are any anti-theft devices installed.

* Whether there are any special safety features on the vehicle.

* Whether you are combining your auto policy with other policies through the same carrier, such as homeowners insurance.

* Your credit score also has some influence on your premiums.

As you can see, if you are in this group, most of the factors influencing the rates you will see on your auto insurance quotes are closely tied to the type of vehicle you are insuring.  There’s often not much one can immediately do about where they love or will park their vehicle overnight.  So pay close attention when purchasing a vehicle and get quotes before purchasing it if at all possible to ensure you can afford the premiums the car will bring with it.  Doing so will help ensure you receive affordable auto insurance quotes.