8 Sure Fire Ways to Raise Your Car Insurance

Road Trip.

You’re on a road trip with a 19-year-old guy named Joe who’s decided to forgo college to try acting in Los Angeles. He’s had a few accidents and speeding tickets in his old hand-me-down car, and he is not a reliable bill payer. You’re a well-educated 50-year-old married woman who never has accidents, pays her bills on time, and lives in the country with a secure job and no children. 
Joe’s car insurance premium is higher than yours, and it’s easy to see why. But there are other factors that determine how insurance rates are decided. Here are eight things you can do to raise your car insurance rate.

1. Be a Man
It’s not the fault of insurance companies that men are involved in accidents far more often than women are. So until those statistics change, women should just enjoy the little perk of paying lower premiums than men.

2. Be Under 25
Young people, due to their inexperience behind the wheel, are far more likely to be involved in accidents. Consequently, teenagers and young adults often pay higher insurance rates. Maybe middle age isn’t such a bad thing. 

3. Buy a Sports Car or an SUV
That dream purchase you’ve been saving up for is sure to increase your rate. But don’t buy a bottom-of-the-line clunker, either. Chances are, if your grandma would buy it, it will keep your rates low. 

4. Move to a Metropolis
More people mean more cars. More cars mean more accidents. Since living in a big city is considered an accident risk by insurance companies, this means you’ll be spending more money if you like the big city.

5. Speed
Penalties vary, but if you like to put the pedal to the metal, you might as well reach for your wallet at the same time. Speeding tickets raise your auto insurance because drivers who speed often, get tickets and have accidents, which makes them a liability on the road.

6. Drop Out of High School
It turns out that getting an education will do more than help you get a better job – it will help you get better car insurance rates. Maybe you can use this logic to convince your parents to help pay for college – and your car.

7. Don’t Pay Your Bills
If you are demonstrably unreliable, you can’t expect insurance companies to count on you. Your rates will be higher until you can prove you can pay your bills on time.

8. Get in Accidents
Yes, accidents do happen, and if you are unlucky enough to be involved in one, you will see an increase in your insurance rate. It may not appear in this year’s premium, but you will most likely see it on next year’s bill. 

You can’t control some factors – like your gender or age – but other factors, such as slowing down, paying your bills, and making sensible choices when buying a car, will help you keep your insurance rates as low as possible.


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