Calculadora de seguros de autos

How to Calculate Car Insurance?

The cost of a póliza de seguro para autos is determined based on factors specific to the insured driver and policy features. Driver history, vehicle type, average miles driven, coverages included, coverage limits, as well as deductible amounts, are some of the things that can affect the cost of a car insurance policy. For example, the lower your deductible, the higher your premium may be.
 
To calculate the cost of car insurance, you will need the following information:
 
  • Your address
  • Type of car insurance/coverage you need
  • Edad
  • Credit score
  • Year, Make & Model of car(s)
  • Marital status
  • Vehicle use type
  • Licensed drivers
  • Driving record
  • Claims and insurance history
Once you have gathered this information, reach out to The Hartford for a car insurance quote.
 

How Is Car Insurance Calculated?

Many factors are used to calculate car insurance costs. These include coverage options, coverage limits, the amount of your deductible and others. Insurance companies generally set rates that will allow them to pay the costs of expected claims, plus other business expenses. In most states, the state’s insurance department must review and approve a company’s rates before they can be put into effect. Some of the most important factors used when calculating car insurance are:
 
Your driving record – It’s one of the most significant factors when determining your premium. If you have a driving record of no violations, it indicates that you are a less risky driver and this would typically result in a lower car insurance cost. Conozca más sobre el DMV Point System in our blog post. Because your car insurance policy is designed to offer protection, your insurer will try to analyze the likelihood that you’ll have an accident. 
 
Your gender, age, and marital status – Age is directly related to experience in the eyes of your insurer. The more driving experience you have, the less likely you are to cause an accident; therefore your rates will likely be lower. Women typically pay less for car insurance1, and statistics show that married drivers are less likely to be involved in an accident than single drivers.
 
Where you live – Accidents are frequently caused by factors outside of our control, but if you live in an urban area with heavy traffic and a high rate of theft, your premium could be more than a driver who lives in a rural area with few drivers and a low crime rate.
 
Make and model of your car – If you drive a newer model car that recently scored high in crash safety tests, you may be eligible for lower rates than a driver in a higher risk car. Safer cars mean fewer and less serious injuries, or less risk of injuries and fewer claims for medical payments and damages. To save money on insurance, consider choosing vehicles with the latest safety features and highest safety ratings.
 
Every insurer calculates their rates differently using their own proprietary methodologies. Because the formula used to calculate your car insurance rate will differ between insurers, it’s important to compare insurance quotes carefully and choose the policy that’s right for you. Remember, cost should not be the only determining factor.  The lowest priced policy may not provide the value and protection you’re looking for. 
 

¿Qué nivel de seguro para autos necesito?

Most states require drivers to have lesiones corporales y property damage liability insurance. These coverages can help pay the cost of damages if a driver hurts another person or damages property while driving. La mayoría de los estados exige un monto mínimo en dólares de cobertura.
 
Find out the minimum car insurance requirements for your state. A general rule of thumb to determine how much car insurance you need is to calculate the total value of all your assets and buy coverage equal to that amount. So, if the combined value of your house, other property, car, savings and investments equals $200,000, consider car insurance coverage of at least $200,000. You may also want to buy personal injury protection, medical payments, uninsured/underinsured motorists bodily injury coverage, collision insurance y comprehensive insurance.
 

¿Por qué elegir a The Hartford para el seguro para autos?

Las compañías de seguro para automóviles no son todas iguales. At The Hartford, we offer more than great rates. We offer extra benefits that protect the lifestyle you've created, and personal service to make your life easier. And of course, we can help you choose the coverage that is right for you.
 
Car insurance isn't one-size-fits-all. The coverage you need depends on the drivers and vehicles on your policy and how much you have to protect.
 

Cotización

Get a free car insurance quote today, it’s simple and takes just a few minutes. Start now!
 
 
Cotización
Conductores: descubran los grandes ahorros y beneficios del Programa de seguros para automóviles AARP® de The Hartford.
 
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Cotización
Conductores: descubran los grandes ahorros y beneficios del Programa de seguros para automóviles AARP® de The Hartford.
 
Recuperar la cotización guardada
Cotización
Descubra los ahorros y los beneficios con el Programa de seguro para propietarios AARP® de The Hartford.
 
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Cotización
El seguro para condominios adecuado. El precio justo. Más simplificado con el Programa de seguro de viviendas AARP® de The Hartford.
 
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Cotización
Obtenga una cotización de seguro para arrendatario de The Hartford para proteger sus objetos personales.
 
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Seguro para automóviles 101

Obtenga más información sobre la cobertura de seguro para automóviles en este video.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.

El Programa de seguros para automóviles y viviendas de AARP The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. En California, el Programa está respaldado por Hartford Underwriters Insurance Company. En Washington, el Programa para automóviles está respaldado por Hartford Casualty Insurance Company y el Programa para viviendas está respaldado por Trumbull Insurance Company. En Michigan, los programas para automóviles y viviendas están respaldados por Trumbull Insurance Company. En Minnesota, el Programa para automóviles está respaldado por Sentinel Insurance Company y el Programa para viviendas está respaldado por Trumbull Insurance Company. En Pensilvania, el Programa para automóviles está respaldado por Trumbull Insurance Company y el Programa para viviendas está respaldado por Hartford Underwriters Insurance Company. El producto para propietarios de viviendas no está disponible en todas las áreas, incluido el estado de Florida. Las características, créditos y descuentos específicos pueden variar y quizás no estén disponibles en todos los estados de acuerdo con los registros y leyes estatales aplicables. Los solicitantes son individualmente subscritos y algunos pueden no calificar. El programa no está actualmente disponible en Massachusetts, Canadá, ni en los Territorios o posesiones de los Estados Unidos.

1 En Texas, el programa para automóviles está respaldado por Southern County Mutual Insurance Company a través de Hartford Fire General Agency. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros subscritos y expedidos por Southern County Mutual Insurance Company. El Programa para viviendas está respaldado por Trumbull Insurance Company.