You’ve been paying high car insurance premiums for years now and you’re not sure what you’re getting out of it. Do you have the right coverage? Why does your car insurance seem so expensive, and what can you do about it? If you’ve been asking these questions, you’re not alone. It’s always important to look for ways to lower your expenses, especially when finding the right car insurance for you.

In the case of car insurance, there are a number of factors that contribute to a higher premium. These things range from your driving record to your location, and they might make a bigger difference than you think. Even with these things listed below, it’s important to always shop around and compare quotes between insurance providers. Keep reading to understand once and for all why your car insurance is so expensive.

Your Age

Your age is probably one of the most well-known factors affecting how much you pay for car insurance coverage. Being young is expensive! Young drivers have less experience and less maturity, so they are known to insurance providers to be a higher risk. Teen drivers actually account for a 11% of the total costs of motor vehicle injuries, according to the CDC. Drivers under the age of 19 are particularly prone to dangerous wrecks than their 20-something counterparts. When drivers turn 25, these rates should lower accordingly if the driver has a clean record. Young drivers can still lower their policy cost if they attach their coverage to a parents policy or qualify for a good student discount.

Your Location

Some cities are expensive to drive in. It doesn’t matter if you commute from one city to another, all your insurance provider cares about is the garaging address of your vehicle. Cities are known to be much more expensive for car insurance rates compared to the suburbs or a rural area. This also applies to the climate of your region. If you’re in a flood zone or hurricane zone, you can expect to pay more since your car faces greater risks of damage.

Vehicle Type

What kind of car do you drive? If you drive an older car with limited safety features, you can expect to pay more for coverage. Conversely, if you drive a new, expensive car, it faces at a higher risk of theft and you’ll have costly repairs. While it’s good to look for a new model of car when needed, you should look for a car with a good safety rating to get a more affordable insurance rate.

Your Driving Record

Finally, all of the other things on this list pale to your driving record. If you have a number of accidents, violations, and traffic tickets on your driving record, you’ll be considered a high risk driver. This means it will be difficult to find any affordable coverage. At this point, it might be beneficial to consider a driver’s safety course to boost your standing.

If you feel you’ve been mistreated by your insurance provider, Los Angeles Truck Accident Attorney recommends speaking to an attorney who can create a plan on your behalf. There are some insurance providers which offer accident forgiveness or other programs for those struggling with their driving record. Compare quotes and review ratings to find your best option.

Affordable Car Insurance

Depending on how many of the above factors affect your particular driving situation, it can be difficult to find the right car insurance coverage. You might be eligible to discounts or different coverage options to reduce your overall cost. Unfortunately, we can’t plan for car accidents. All we can do is prepare for the best by having a safe level of auto coverage!

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