Perhaps you are a bit confusing with the rate of insurance which given by auto insurance company. For example you and your friend deal with same auto insurance company with same condition of car, but why the rate is different? This doesn’t mean that auto insurance company loves your friend rather than you. There are several considerations which are done by auto insurance company like driving history, gender, age, marital status and so on.
You can reduce car insurance price by reducing coverage tariff. Select policy which can cover your needs. In doing so, you can get cheaper price.
Usually auto insurance company will give higher tariff for young drivers because of driving habit in young age. Certain zip codes can pay costly auto insurance because facts of many accidents and thefts in that area. It is best to show your claim history during 5 years, so auto insurance company will consider giving lower rate.
If you almost never made any claim during 5 years, so auto insurance company will consider you as excellent driver. Last but not least, your credit score will affect the tariff of auto insurance. If you always pay bill on time, so your premium will low too.
