What Can Impact Your Car Insurance Costs?

If you are driving a car in the United States, you will almost always need some form of car insurance to protect yourself and other drivers on the road that may be impacted by your actions. If you get caught by the police driving while uninsured, you could be facing some huge problems that may even include a considerable amount of jail time or the loss of your license. This could be devastating for both you and your family as it can impact your entire life including your ability to maintain gainful employment. While nobody wants to have to pay for insurance, it is something that can rarely be avoided and there are a large number of things that can impact just how much you are paying for it a month.

Credit Score

While your credit score doesn’t seem like it has much to do with your ability to drive a car, it still impacts how much you will have to pay each month. The lower your score, the more you will likely be paying for your auto insurance merrillville in plan. You can lower the cost of your premiums each month by working to improve your credit. You can do this by making sure that you pay your loans and credit cards on time while trying to minimize other active debt.

Type Of Car

If you drive a car that is more expensive, it is going to cost more to give it full coverage. A more expensive car is a risk to the insurance company as they will have to pay more to repair or replace a car if it is damaged in an accident in which you are at fault. It’s important to keep the cost of insurance in mind when you are calculating how big of a payment you can afford for your vehicle. It’s important to keep in mind that you are likely required to keep insurance on your car if you have a loan out on it. This is to protect their assets if you fail to pay for any reason.


Age can have a huge impact on how much you are going to end up paying for your insurance. New drivers are more likely to get in an accident than someone with several years under their belt. In addition, elderly drivers will see their insurance rates go up after a certain age as their chances of getting in an accident are more likely.

Driving History

Your driving history is an important factor when determining how much you will be paying for insurance. Even if you have never been in an accident before, you will still see higher premiums if you have a history of speeding tickets or other minor driving infractions. If you have ever had your license suspended due to drunk driving or other criminal actions, you can expect your insurance to be a lot higher once you eventually are able to get your license back and it can once again be taken away if you fail to keep insurance.