Almost every state require drivers to carry at least minimal car insurance, so if you have or drive a car, you can relate to the quest for cheap car insurance. Along the way you will run into many terms and factors that will dictate how your car insurance rates are calculated.

If you’ve been pounding the pavement, virtual or actual, looking for the best car insurance rates and yet have no real idea how they work or how they are calculated, you may be sitting there scratching your head. There are literally hundreds of companies in the United States that offer cheap car insurance and each one has more than one policy to choose from. How do you choose?

The actual rate your are charged for your car insurance will vary based on a number of factors including the insurance company, the details of your situation, the year, make, and model of car(s) you drive, and which policy you choose. Any one of these factors can make a big difference in the rate you are quoted by the car insurance company. Further, how these factors are interpreted and treated by each of the car insurance companies will vary…that’s how you can provide the exact same details to ever company and get different quotes from each one.

Additional details that make a huge difference are your gender, your and, and how long you’ve been driving. For instance, if you’ve only been driving for a short time, your quoted rate will be higher, sometimes much higher, that it would be for someone who has been driving for fifteen or twenty years. Gender makes a difference too as female drivers generally considered to be safer drivers that males. Age being the other big modifier, comes into play as older drivers are generally considered safer drivers.

The make, model and age of your car can have an effect as well. Sporty cars are expected to be driven faster, thus more risk for the car insurance company. Older vehicles will have more expensive replacement parts should a cover claim come up.

Understanding all the factors that go into determining your car insurance rates will help you understand and possibly negotiate a better rate while you are shopping for cheap car insurance. Armed with this knowledge you will be able to get the best possible quote for cheap car insurance.

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