Why Is My Car Insurance So High? 6 Factors That Affect Your Rates

If you’ve ever found yourself scratching your head and wondering why you’re paying high premiums, you’re not alone. It can be difficult to lower your car insurance rates, especially if you have no idea what made them skyrocket in the first place. These are the key reasons you could be paying more for auto insurance.

Your Age Affects Your Risk

Young drivers under the age of 25 are at the highest risk due to inexperience. For this reason, you will always pay more for the younger drivers on your policy. However, your young driver can prevent your rates from going up even more by avoiding traffic tickets and accidents as much as possible. Additionally, young drivers could take a defensive driving course to potentially lower their rates.

Your Driving Record Impacts Your Risk

Driving history is a major factor in determining premiums. Insurance companies will look at your at-fault accidents, traffic violations, and driving-related charges. If you want lower car insurance rates, keep a clean driving record.

Your Car’s Make and Model Could Cause Higher Rates

The make and model of your vehicle could lower or raise your car insurance rates. Why? Insurance rates are calculated by assessing the potential cost of repairs, along with other factors such as safety features. A more expensive vehicle will obviously be more expensive to repair, therefore the higher rates. Also, safety features such as lane-departure warning can help reduce your risk of accidents.

Your Annual Mileage Could Lower Your Car Insurance Rates

Drivers who log more time on the road are at a higher risk for accidents. Many insurance providers offer low-mileage discounts for those who aren’t heavy commuters. Ask your insurance provider if you could qualify for a lower car insurance rate based on your annual mileage.

Your Location Could Impact Your Insurance Rates

Unfortunately, where you live could have an impact on your insurance rates. High-traffic areas increase the risk of an accident compared to more rural areas. If you reside in the city, you might expect your car insurance rates to be higher.

Your Policy Choices Could Lower Your Insurance Rates

Bundling could save you a significant amount. Most insurance providers will offer discounts for multiple policies. If you really need lower car insurance rates, you could also choose to pay a higher deductible to lower your monthly rates.

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