Vehicle Choice: Sports cars cost more to insure than sedans, and expensive cars cost more to insure than cheap ones do. Looking into the cost of insurance before you purchase that new car could help you save a bundle on your car insurance.
Driving Habits: The number of miles that you drive, whether or not you use your car for work, and the distance between your home and work all play a role in determining your rates.
Theft Deterrent Systems: If you have an alarm on your car, you’ll pay less to insure your vehicle.
Safety Devices: Airbags and anti-lock brakes both work in your favor by keeping you safer and lowering your insurance bill.
Accident Prevention Training: Some companies offer discounts if you take a driver’s education training course.
Payment Plan: Some insurance companies offer discounts based on your payment plan. Paying your entire yearly bill at one time, instead of in installments, may lead to a discount.
Credit Score: Good credit lowers your car insurance rates. Bad credit increases them.