When you request an auto insurance quote online, there are three major factors when your rate is calculated:
- Your Vehicle: The more expensive a car is to repair or replace, the more it costs to insure. Your vehicle's safety features can help lower your auto insurance quote, as can how often you drive the car and what type of driving it's used for (business or personal).
- Your Address: Where you live and park your vehicle will affect your auto insurance quote.
- Your Driving Record: Having fewer incidents such as accidents, moving violations or claims in your driving record will help lower your rate.
If you already have a car insurance policy and are comparing new car insurance quotes to determine what is best for you, make sure that you are comparing similar coverage, limits and deductible amounts. In most cases Liberty Mutual can provide multiple car insurance quotes, any of which can be customized to meet your car insurance needs.