Where You Live – The city and state in which you live can often play a role in your car insurance rates. For example, someone living in a rural town with less than 10,000 people will have a very different driving experience than someone living in New York City or Chicago. Rates can be determined by the likelihood of claims based on others in your area and can take into consideration crime, weather and more.

Your Age – Many insurance companies follow a motto of “the younger the driver, the higher the rates.” Statistically speaking, younger drivers have shown to be more easily distracted and have a higher chance of crashing, so they are considered risky to insure. The more years you have under your belt, the better your chance as a favorable rate.

Your Driving Record & Claims History – How safe of a driver you are is important to your insurance carrier as your behavior on the road affects your risk to insure. Drivers with a clean driver’s history typically qualify for better rates and can be eligible for good or safe driver discounts. Insurers don’t just consider your record, though, they also take into account your claims history.

Q: How can I save money on car insurance?

A: With so many options for car insurance out there, looking for the best price can be a little overwhelming. Some of the easiest ways include shopping around and bundling but sifting through it all can be time consuming.

Q: How do I lower the cost of my premium?

A: Whether it’s maintaining a strong credit score or taking advantage of discounts, there are a number of ways to lower the cost of your premium.