There is no magic formula in which you can lower your car insurance costs because the insurance companies are hell bent to make profit by doing business with you. Well, that does not mean they will do it by hook or by crook but you will seldom get what you want from them provided you are not knowledgeable, confident and do not negotiate on the terms while shopping for car insurance.
Reducing the car insurance rates is the common want of all car owners but it is not always easy to succeed in this process. Most people either raise their deductibles or choose a lower amounts of coverage which are, of course, the two most palpable factors that affect the cost of auto insurance.
However, you may not comprehend that the overall rate of your car insurance is also affected by a number of different factors. Only a few of these factors can be controlled by you and most of which you cannot. A lower price tag will generally lead to a lower insurance premiums but that is not the only factor that you should consider.
Therefore, it is only when you know the facts and factors that affect your car insurance rate you will be able to make a more informed choice while purchasing car insurance. Such knowledge will also help you to know what exactly you can do to lower the cost of your car insurance and your yearly expenses.
Personal driving habits
If your personal driving record …