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Check out the factors that influence the price of car insurance
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The value of car insurance differs from one insurer to another and this only happens due to the analysis of the risk profile. See which factors can make you pay more for vehicle protection.

After purchasing the vehicle, many people will research the price of insurance to ensure protection. However, the cost of car insurance can be surprising.

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The ideal is to get a quote before buying the vehicle, because some models may have a higher price and end up weighing on your budget.

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There are also many other factors that can make this protection much higher than expected or lower.

If the idea is not to be caught by surprise, see which items somehow influence the value of car insurance.

What factors influence the price of car insurance

Image: Getty

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Vehicle model

The model influences the value of car insurance based on its market cost and its theft rate.

A popular car can have very high insurance due to high rates of theft and the opposite can also happen.

The power of the car is another factor to be considered, as the more powerful it is, the greater the chances of being involved in an accident.

Modifications are taken into account, modified cars tend to be more expensive to insure or have not found an insurance company that accepts it.

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To give you an idea, check out some of the entry models and the average insurance price.

It is worth mentioning that these values ​​are not fixed and that there are different variables that determined this price.

MODEL INSURANCE PRICE
Fiat Mobi R$ 2,913
Ford Ka R$ 2,057
Renault Kwid R$ 1,834
Toyota Etios R$ 2,467
Volkswagen Golf R$ 3,536

Place of residence

There are cities and even neighborhoods that can cause the price of insurance to change. This is due to the rate of robberies and car thefts in the region.

An example are the residents of the ABC region of São Paulo, where the rate of theft and fruit is high and the number of collisions is high, insurance can be 30% more expensive than in the capital of São Paulo.

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Within the ABC cities there is also variation in values. In Santo André, where crimes reach 1.3 for every 100 vehicles, the cost of insurance is R$5,355. In São Caetano, where the index is 0.4, the insurance value is R$4,332.

There is also variation between capitals, see what the average amount charged in September is.

CITY INSURANCE PRICE
Brasilia R$ 2,341
Porto Alegre R$ 2,898
Rio de Janeiro R$ 2,938
São Paulo R$ 3,396

Driver's gender

Gone are the days when women always paid less for car insurance. There are currently price variations, and in some cases they end up paying more.

To define which sex will pay more, insurance companies usually evaluate the rates of robbery, theft and collisions and check which is presenting the greatest risk.

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Between September, men who purchased insurance for a Kwid paid more than women. On the other hand, the Polo's insurance was more expensive for them.

MODEL INSURANCE VALUE FOR MEN INSURANCE VALUE FOR WOMEN
kwid R$ 3,164 R$ 1,409.00
Pole R$ 3,207 R$ 3,263.00
Corolla R$ 4,774 R$ 2,520.00
HB20 R$ 3,184 R$ 1,933.00
Prism R$ 2,798 R$ 1,547.00

Vehicle use

Depending on what the car is used for, the insurance value varies, which is why you need to fill out the questionnaire when purchasing the product.

Those who only use their car on weekends pay less than those who use it every day to go to work and classes. This happens because the vehicle spends less time on the streets and is less exposed to risks.

Those who work using cars also pay more, especially if they work with passenger transport via app. In this case, the value can be up to 40% higher than for a conventional driver. See some examples.

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MODEL NO APP WITH APP
HB20 Comfort 1.0 12V Flex Manual 4p BRL 2,498.29 R$ 3,417.43
Onix Hatch Joy 1.0 8V Flex Manual 4p BRL 2,535.26 R$ 3,610.00
New KA S 1.0 Ticvt Flex 4p BRL 3,146.99 R$ 4,126.00

Insurance bonus

Good drivers are rewarded by insurance companies and receive a bonus for each year they are not involved in any type of accident.

Over time, this bonus increases and generates a discount on insurance renewal, which in some cases can reach 50%.

The discount percentage applied depends on each operator and there is no rule for this. The score can range from 0 to 10 and the higher it is, the less the person will pay. Check out an example.

BONUS CLASS INSURANCE PRICE
Class 0 R$ 3,043.44
Class 1 R$ 2,899.20
Class 2 R$ 2,722.24
Class 3 BRL 2,649.35
Class 4 BRL 2,520.88
Class 5 BRL 2,440.23
Class 6 R$ 2,389.39
Class 7 BRL 2,378.34
Class 8 R$ 2,328.64
Class 9 BRL 2,067.25
Class 10 BRL 2,067.25

Now that you know what influences the value of car insurance, when renewing or taking out insurance, pay attention to the points that can make you pay less.

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Check out the factors that influence the price of car insurance

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