Several factors influence the cost of your car insurance premiums, including:
Driving Record: A clean driving record with no accidents or traffic violations typically results in lower premiums.
Age and Gender: Younger drivers and males tend to pay higher premiums due to statistically higher accident rates.
Vehicle Type: The make, model, and age of your vehicle affect insurance costs. Expensive or high-performance cars typically have higher premiums.
Location: Insurance rates vary by location due to factors like crime rates, traffic density, and weather risks.
Credit Score: Insurers often use credit scores to assess risk. A higher credit score can lead to lower premiums.
Coverage Limits and Deductibles: Higher coverage limits and lower deductibles result in higher premiums, while lower limits and higher deductibles lower premiums.