Top Answer
User Avatar
Wiki User
Answered 2014-08-15 21:57:53

Car insurance companies use many different factors to determine your car insurance rate. Not everyone gets the same rate even if they have the same insurance company. If you are paying to much for insurance these or some of the main factors that effect your rate:

1. Your driving record. Violations on your driving record will make your insurance rates go up. These would include moving violations and At Fault accidents.

2. Your age and gender. Rates are higher based on your driving experience. The younger you are, most likely that your rates will be higher. Also rates for young males tend to be higher.

3. Where you live. Insurance companies rate different zip codes differently based on many other factors. Some areas have higher rates.

4. Your vehicle coverages. Rates are different for different cars and coverages. Ask your insurance company about your coverages and how they effect your rate.

5. Miles. Rates are also based on annual miles, if you don't drive to much you can get a lower rate.

6. Discounts. Are you getting all discounts? Insurance companies offer many discounts so ask if you qualify for any. Some are multi-car discounts, multi-policy discounts, good student discount, affinity group discounts, and other discounts.

Overall review your policy to see what you actually have and feel free to shop around. Call other insurance companies and see if they can offer you a lower rate. Different insurance companies offer different rates for your situation, so shop around to get the best car insurance rates.

User Avatar

Your Answer

Still Have Questions?

Related Questions

What is RAC car insurance and is it necessary?

RAC car insurance is a type of car insurance in the UK. They offer high quality insurance with a high level of professionalism. They offer the best rates in the area.

What exactly is swinton car insurance?

"Like any other car insurance, Swinton car insurance offers insurance on cars so that if you get into a car accident, you have the insurance to cover you in costs."

Is a 2013 camaro a sports car or muscle car?

Insurance companies consider it muscle. The price of insurance is high with a car of this sort.

Are the car insurance in Texas are high?

Texas car insurance rates can tend to be a bit high. You have to do research to find the cheapest and most affordable rate for you. If you have a good credit score, chances are you will find the better car insurance rate.

Can you switch car insurance companies because of an accident?

Even if you get to do it any insurance company will find about your driving records so you will still get high rates because you are considered a high risk driver.

What exactly are car insurance rates?

Car insurance rates are the amount you have to pay each month. If you are a new driver, then your rates will be high. So you pay more. Contact your local agent for more info.

What is rental car insurance?

Rental car insurance is a system of insurance you use when renting a car so that during the period you have it if it gets damaged you do not have to pay for it.

Why buy rental car insurance?

You buy rental car insurance so if you are in an accident your insurance will pay for part or all of rental car expenses if a rental car is needed. Without this insurance this will be out of pocket for you.

Are California car insurance prices high for a sports car?

You will have to expect to pay more for car insurance for a sports car than a sedan. In California it is around the average for a sports car.

How does one learn more about high risk car insurance?

Insurance companies can provide the details on high risk car insurance but to really find out about it the best way would be to consult motor and insurance related publications and websites that are not related to the companies trying to sell the insurance.

How do you get new driver car insurance?

You will need to get new car insurance policy quotes and then purchase a car insurance policy for your car. The cost will depend upon your car, its make, model, year and other factors. Insurance premiums for new drivers are generally quite high.

Do you have to have car insurance if you don't own a car?

no Actually, it depends on what you mean. In the U.S. you do not have to have car insurance if you don't drive a car, so if you don't own a car, by default you don't have to keep insurance, however, many states in the U.S. require you to have insurance if you are driving, so if you borrow someone's car, you may be required to have insurance while driving it. In the states that require insurance, you can get a ticket if you don't have it, so if you borrow a car, be sure the owner has it insured and ask him for a copy of the policy of proof of insurance card.

Can you get insurance on a car not titled in your name?

no you can't Its not in your name so you can't get insurance from a car that is not titled in your name

Where can I find information about Lexington Car insurance?

Lexington is a car insurance company. you can visit the nearest insurance agaent and ask for lexington car insurance. since lexington car insurance is not so widely you, better visit them online to save time

What types of insurance are offered by AutoOne?

AutoOne sells many different insurance products. AutoOne sells Car insurance, Commercial insurance, and high risk insurance. They can insure someone from the minimum state car insurance to well above it.

What can I do to get cheap car insurance for young drivers still in high school?

You can go to dmv.com to search for car insurance in the Florida region for teenagers.

Can someone get insurance on a car if they are making payments to an individual?

in most states you have to have at least liability insurance. it doesn't matter who you are buying the car from. so yes you can get insurance on a car

Where can one receive car insurance if they need it?

There are so many different car insurance companies. And now car insurance can be bought through so many different mediums. Online, on the phone, and by mail. Car insurance companies that are prominent include GEICO, AllState, and State Farm.

Why do car rentals cost so much?

Car rentals cost so much because they are always nearly new cars and the rental company has to pay fees and high insurance premiums.

If you have motorcycle insurance do you still need car insurance to drive your car?

motorcycle insurance = insurance for motorcycle car insurance = insurance for car

Do you have to have insurance if you do not own a car and This is in the state of OHIO and if so will your license be validated without the insurance?

if you do not own a car you do not have to have insurance the insurance is tied to the registration when you register plates for a car and that is how the state keep track of you for insurance purposes I live in Ohio

How does one get a car insured?

In order to get your car insured, you must visit an insurance company and apply for a car insurance policy. Be sure to shop around so that you can get the best deal on a car insurance policy.

Your daughter is turning 16 Her dad is going to carry the car insurance on his car Can she drive your car?

The insurance is on the DRIVER as well as the car driven. So, the answer is Yes.

Still have questions?

Trending Questions
Do potatoes have genders? Asked By Wiki User
How many 20 go into 200? Asked By Wiki User
Previously Viewed
Unanswered Questions
Does arsenio hall have ms? Asked By Wiki User