The best practice in comparing car insurance quotes is to be sure that the basis for comparison is equal. Car insurance prices are calculated on the risk an insurance company assumes, which is based on the potential that you may get in an accident. In the event of an accident, the insurance company in turn pays out a claim to restore you and your vehicle. The major factors that most auto insurance agencies consider are:

• Age
• Gender
• Driving History
• Occupation
• Credit History
• Type of Vehicle
• Mileage
• Car Theft Potential
• Safety Features

Key factors in determining insurance rates are age, gender, type of vehicle, and driving history. An insurance score is calculated based on these factors, and a premium is then computed.

Comparing auto insurance quotes from multiple companies must be based on all of these factors listed side by side. Such a comparison allows you to consider the prices more uniformly. So make sure that the mileage you estimate is the same, the driving history that you submit is the same, the depreciation value of the car is the same, the safety features are the same, and so forth.

Also, each company will offer different deductibles, so the amount you pay in the event of accident, and the coverage types (collision, liability, uninsured motorist) and their associated limits should be the same. Thoroughly compare these coverage amounts and each deductible as such terms may significantly influence the premium and the actual coverage you will be entitled to in the event of an accident. After you sign the insurance policy, it may be too late to go back and correct an oversight.