{"id":153,"date":"2018-09-07T09:00:51","date_gmt":"2018-09-07T09:00:51","guid":{"rendered":"http:\/\/altrainsurance.com\/?p=153"},"modified":"2026-10-14T11:16:46","modified_gmt":"2026-10-14T11:16:46","slug":"what-affects-car-insurance-costs","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/what-affects-car-insurance-costs\/","title":{"rendered":"\u00bfQu\u00e9 afecta el costo de su seguro de autom\u00f3vil?"},"content":{"rendered":"

Safe, defensive driving and a clean driving record<\/a> <\/strong>can help you secure low car insurance rates, but there are many factors that influence premiums, including some that may be outside of your control. Understanding the factors that affect the cost of car insurance can help you qualify for the best possible rates. Here are six things that affect how much you\u2019ll pay for coverage.<\/span><\/p>\n

1. Deducibles<\/h2>\n

Cuanto m\u00e1s altos sean los l\u00edmites de cobertura que elija, mayor ser\u00e1 su prima, pero los deducibles tambi\u00e9n son importantes. Puede elegir el deducible para su cobertura integral y de colisi\u00f3n. Elegir un deducible m\u00e1s alto aumenta su responsabilidad financiera si necesita hacer un reclamo, pero tambi\u00e9n reduce su prima. Solo aseg\u00farese de poder pagar el deducible en caso de que necesite presentar un reclamo.<\/span><\/p>\n

2. D\u00f3nde vives<\/h2>\n

Su c\u00f3digo postal se usar\u00e1 para determinar la prima de su seguro de autom\u00f3vil. Si vive en un \u00e1rea urbana densamente poblada, correr\u00e1 un mayor riesgo de presentar un reclamo debido a un accidente o robo. Las compa\u00f1\u00edas de seguros de autom\u00f3viles no solo consideran su riesgo de accidente. Su c\u00f3digo postal tambi\u00e9n se usa para calcular las tasas de robo de autom\u00f3viles, vandalismo y da\u00f1os en su \u00e1rea.<\/span><\/p>\n

3. El veh\u00edculo que conduces<\/h2>\n

Los autom\u00f3viles que conducen las personas juegan un papel importante en el costo de <\/span>seguro de auto. San Diego<\/span><\/a> las compa\u00f1\u00edas de seguros consideran la calificaci\u00f3n de seguridad general, la tasa de robo, la tasa de accidentes y el costo de las reparaciones de un veh\u00edculo.<\/span><\/p>\n

4. Historial de reclamos<\/h2>\n

Lo que importa no es solo qu\u00e9 y c\u00f3mo conduces. Las compa\u00f1\u00edas de seguros tambi\u00e9n verifican cu\u00e1ntas reclamaciones ha hecho en el pasado con ex aseguradoras. Si tiene un historial de reclamos por culpa, puede enfrentar un recargo. Tambi\u00e9n se lo considerar\u00e1 m\u00e1s riesgoso si ha tenido tres reclamos en los \u00faltimos tres a\u00f1os.<\/span><\/p>\n

5. Su registro de conducir<\/h2>\n

La seguridad con la que conduce juega un papel importante en la cantidad que paga por el seguro del autom\u00f3vil. Los conductores que mantienen un historial de manejo limpio califican para primas m\u00e1s bajas y descuentos para conductores seguros. Si tiene un accidente o violaciones en movimiento en su registro, puede ser visto como un riesgo m\u00e1s alto. Incluso una infracci\u00f3n menor como una multa por exceso de velocidad podr\u00eda aumentar su tasa hasta en un 40 por ciento.<\/span><\/p>\n

6. G\u00e9nero y estado civil<\/h2>\n

No hay mucho que pueda hacer sobre su g\u00e9nero y si est\u00e1 casado o no, pero estas cosas pueden tenerse en cuenta en su prima. Los hombres tienen m\u00e1s probabilidades de verse involucrados en un choque, especialmente los hombres m\u00e1s j\u00f3venes, y tambi\u00e9n tienden a conducir m\u00e1s millas que las mujeres y a comportarse de manera m\u00e1s arriesgada, como acelerar o no usar el cintur\u00f3n de seguridad. La investigaci\u00f3n tambi\u00e9n ha encontrado que las personas casadas son menos activas y conducen de manera m\u00e1s segura que las personas solteras, lo que significa menos accidentes y tasas m\u00e1s bajas de seguro de autom\u00f3vil.<\/span><\/p>\n

California is one of the few states that doesn\u2019t allow insurance companies to rate based on age, but they can still rate you based on your years of driving experience. If you have less experience, which is usually the case with younger drivers, you\u2019ll pay more. Inexperienced drivers typically pay more for car insurance than those with decades of experience because they have a higher risk of being involved in an accident.<\/span><\/p>\n

Para un seguro de auto asequible, p\u00f3ngase en contacto con Altra Insurance Services. Tambi\u00e9n ofrecemos motocicletas confiables, propietarios de viviendas y <\/span>seguro comercial. San Diego<\/span><\/a> Los residentes pueden llamar al (800) 719-9972 hoy para hablar con uno de nuestros agentes expertos y recibir una cotizaci\u00f3n gratuita.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

La conducci\u00f3n segura y defensiva y un historial de manejo limpio pueden ayudarlo a obtener tarifas bajas de seguro de autom\u00f3vil, pero hay muchos factores que influyen en las primas, incluidos algunos que pueden estar fuera de su control. Comprender los factores que afectan el costo del seguro de autom\u00f3vil puede ayudarlo a calificar para las mejores tarifas posibles. Aqu\u00ed hay seis ... <\/p>\n

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