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A study revealed that the average cost of car insurance in the
US is $791, with the rates highest in New Jersey ($1157), in Columbia ($1134)
and in Louisiana is $1122.
The
Factors you can control:
There are some tips that can help to control your car insurance
premium, but you have to strictly follow. You may raise a question that how to
lower car insurance? It’s on your own hand that some factors can help to
control it.
·
Drive slowly: pay attention for driving in urbanized areas. Because of
urbanized areas with high crime rate rates compare with rural areas.
·
Drive Safely: You may know that good drivers with clean records can save up to
10% of auto-car insurance premium. It means you have to follow traffic rules
strictly and drive safely. It may help to keep your driver record. Speeding and
other moving violations have a negative impact on insurance bill. So, obey the
traffic rule to help keep your score rates from rising.
·
Grab a Discount: Most of the insurance companies offers discounts to tempt
drivers, qualifying for one or more is insurance. Some Discount for Good Grade,
multiple-policies, defensive driving passes, profession and affiliate
membership.
·
Examine your coverage: According to NAIC data, at least 76% insured purchase
comprehensive coverage in addition to liability insurance and about 71% buy
collision insurance coverage. If you have older car coverage, you may want to
consider removing it, or rising the deductible.
·
Safety Proof: You have to keep in your mind that the safer the car, the less
of a risk, it is to insure. Ensuring your vehicle is equipped with automatic seat-belts, air bags and anti-lock brakes will result in cheaper care insurance.
Anti-theft device will also make vehicle more appealing to insurers.
·
Keep a good credit records: A good credit score will keep car insurance
rates lower compare with a bad credit score. Frequently accident drivers pay
more. If you want to pay less premium rates than make the good credit record.
·
Vehicle Choice: Sedans cars cost is less to insure than Sports car, and cheap
cars cost less to insure than expensive ones do. Therefore if you want to buy
expensive cars then you have to pay more premiums than cheaper cars.
·
Accident Prevention Training: If you take driver's education training course
then Insurances Company may allow you special discount on insurance premium.
·
Theft Deterrent Systems: It helps to pay less to insure your vehicle.
Factors
you can't control:
·
Age: Young driver with little experience will typically pay more for
car insurance.
·
Gender: Men pay around $1,500 more for auto insurance over a lifetime
than women do.
·
Demographic: drivers in urbanized areas and areas with high crime rates
should pay more than their counterparts in rural low-crime rate areas do.
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