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Kinect car insurance

Years of experience: To get the best vehicle insurance premium, you have to build a history that shows you are not a high-risk driver. This takes time. Young drivers typically start off by being listed as an occasional driver on their parent's vehicle to get those ever-valuable years of experience.

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Your driving record:  The number of years you've been licensed and whether or not you've had any convictions (traffic violations) or been involved in at-fault collisions. If you have a clean driving record, your premium will be lower than if you've had a conviction or accident.

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The car you drive: Like drivers, vehicles are rated differently too. Insurance works this way because theft rates, vehicle safety ratings, and the historical repair costs for a vehicle can vary significantly.

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If you're shopping for a car, you can easily compare quotes for multiple vehicles, side by side. It's never been easier to see how rates differ between vehicles.

The amount of time you spend on the road: The more time you spend on the road, the greater the chance you'll be in a collision. If you work close to home (or take public transit), chances are you'll pay a lower rate than someone who commutes an hour a day, each way.

Where you live and drive: If you live in a rural area, chances are you'll pay less than someone who lives and drives in a city where there are more drivers on the road, and the likelihood of getting into a collision is higher. Also, more vehicles tend to be stolen in urban areas.

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