You don't believe it because you pay so much for your car insurance

Did you know that the value of your car insurance is charged according to how responsible the insurance companies consider you. Well, believe me…you will find out why you pay so much for your car insurance now!

It may seem strange that the value of insurance varies so much from one driver to another, but, in fact, it considers your profile and driving behavior to define values.

In short, it works more or less like this: if the group of drivers you are part of is considered more responsible or is involved in fewer accidents, you pay less, but the opposite is also true.

To understand a little more about this profile, see what is taken into consideration and why you pay so much for insurance.

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Are you single

Single people are not usually very cautious (at least that's what accident statistics say). Whether she is single, divorced or widowed, the tendency is to pay more in these cases. Those who are married tend to have a lower value… Is it because there is a greater concern for the family and this reflects on the way they drive?

You are loyal to an insurance company

Renewing your insurance with the same insurer can be more practical and they say they will give you a discount for continuing with them. However, this is not always the most advantageous option.

This happens because, if you are not at risk of switching to a competitor, the price charged does not need to be the lowest possible, as you are willing to pay for it. If you threaten to change your car insurance to another insurer, they will offer you a greater discount than initially granted.

In the United States, there are insurance companies that evaluate customers' habits in relation to several factors, such as changes in pay TV, internet provider, shopping habits in the same supermarket and others, to assess how much this customer is inclined to change. In this case, the greater the risk, the greater the discount granted for it. Would this be good here in Brazil?

You don't live in the (considered) dream place

The place you live has a direct influence on the value of your insurance because those with a higher incidence of robberies, assaults, collisions and others that make you claim insurance are more expensive.

Of course, you won't move house just because of the price of insurance, but knowing this information it's possible to take other measures to try to pay less. Because the fact that it is not considered a dream by the insurance company due to statistics does not mean that you don't like living there and it doesn't have its other advantages.

You don't worry about parking

The place where your car is parked is another point to be analyzed by insurance companies. If you park your car in your home garage at night, it means it is better protected and reduces the risk of an accident. If it is parked on the street every night, even in front of your house, this could make your insurance more expensive.

The same rule applies to parking at your workplace, so if your company doesn't have its own parking lot, it's often worth paying for a private parking lot.

You work on this (not that)

Although this is not yet as strong a factor in Brazil as it is in the United States, due to the lack of research that delves into this subject, there is already beginning to be some differentiation. Some professions where workers are under stress are more likely to suffer accidents.

Likewise, this can influence how you use your vehicle, as some professions even require longer trips.

Now that you know some factors about how the value of your insurance is calculated, when renewing yours it's worth rethinking some points and changing what's possible to pay less, right? After all, if you don't even believe it yet, better believe it now and start saving!