Many factors go into determining the cost of auto insurance. Some, like where you live, are out of your control—but there are plenty of things you can do to get the best rate possible.
The type of vehicle you drive is one of the biggest factors in determining your auto insurance rates. If you're driving a sports car or an SUV, you can expect to pay more for insurance than someone who's driving a sedan or a minivan. That's because sports cars and SUVs are more likely to be involved in accidents, and they're also more likely to be stolen. If you're looking to keep your insurance rates low, choose a safe, reliable vehicle that doesn't cost a lot to repair or replace.
Your driving history is another important factor in determining your auto insurance rates. If you have a clean driving record, you're going to pay less for insurance than someone who has been involved in accidents or has received speeding tickets. To keep your rates low, avoid accidents and obey the speed limit. If you have points on your license, take a defensive driving course; many insurers offer discounts to drivers who complete these courses.
Where you live also affects your auto insurance rates. If you live in a city, you're going to pay more for insurance than someone who lives in a rural area. That's because there's more traffic in cities, and thus more accidents. If you live in an area with high crime rates, your rates will also be higher; that's because cars are more likely to be stolen in high-crime areas. To get the best rates possible, try to live in a safe neighborhood with low traffic levels.
There are many factors that go into determining auto insurance rates. Some—like location and type of vehicle—are out of your control. But there are plenty of things you can do to get the best rate possible. Keep your driving history clean, choose a safe and reliable vehicle, and live in a safe neighborhood with low traffic levels. By following these tips, you can keep your auto insurance rates low.