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Keeping Your Car Insurance Premiums Low

Premiums of car insurance policies basically depend on what type of driver you are.  If you are under the category of high risk drivers, you will definitely pay higher premiums, whereas if you are a low risk driver, expect to pay lower premiums. 

Here are several factors that directly affect car insurance premiums:

1. Age.  Teenagers and old drivers generally pay higher premiums because, based on research, they are more prone to meeting accidents.   

2. Driving record.  If you got involved in an accident or accidents in the past, there’s no doubt that you’ll have to pay higher car insurance premiums.  You’re actually lucky if you will still be given insurance because other insurance providers usually reject applications of drivers who have an unclean driving record.  

3. Model of the car.  High-end cars pay the highest car insurance premiums because this type of cars is more attractive to the eyes of carjackers or crooks as compared to less expensive cars.

4. Location.  Car drivers who live in highly urbanized or congested areas have to pay more expensive insurance premiums since there is bigger possibility of collision or accidents. 

5. Gender.  Women are luckier than men because they get to pay lower car insurance premiums.  The reason is that lesser women are involved in accidents, but based on latest studies, accidents that involve women are rising so fast and the percentage is actually getting closer to that of men.   

By looking at the factors that affect car insurance premiums, some of you may think that you only have a slim chance to lower the rate of your car insurance, but, in case you are not aware, there are still ways to reverse the situation.  Here they are:

1. Acquire a less expensive car.  Having a simple car means that you are exempted from paying high insurance premiums.  There are car insurance providers that also give discounts to drivers who have cars that are environment-friendly. 

2. Equip your car with safety devices.  Owners of cars that are equipped with safety devices, such as airbags and seatbelts, are likely to pay lower premiums as these devices will prevent injuries in case you meet an accident.

3. Enrol in a driver’s education course.  If you are enrolled and passed such a course, your car insurance premiums will get more or less a 10% discount.  This is because this will give a car insurance provider an impression that you are a responsible and cautious driver.

4. Install anti-carjacking devices.  Protecting your car against carjackers or thieves by using car alarms, tracking devices, kill switch, steering wheel lock, and many other things will lower your car insurance premiums.