If you’re thinking of buying a car, it’s important to factor monthly auto insurance premiums into the total price. While you won’t know exactly what the cost will be until you get a free insurance quote from an agency, the experts at Ohio Insurance Center Agency in Cincinnati say there are a few major choices you can make as a consumer that will affect the amount you pay.

Here, they list some of the biggest:

• Type of Car: If you want to pay less for insurance, stay away from luxury and sports cars. Faster, fancier cars will cost more to insure because they cost more to fix, and insurance companies see fast cars as a greater risk than less sporty models.
• Driving Habits: Fewer accidents and tickets mean lower insurance prices because you’ll be seen as a low-risk customer. Some companies even offer discounts for drivers with excellent records.
• Multi-Policy Discounts: Drivers who buy additional insurance, such as a home or motorcycle insurance policy, can save money if they buy it from the same company that provides their auto insurance.
• Deductibles: The auto insurance deductible is the amount you’ll pay out of pocket. A higher deductible will get you lower monthly rates but will cost you more if you need to file a claim, potentially offsetting the savings.
• Safety Features: The more safety features a car has, the less risk insurance companies will see for personal injury. That means an old model without as many airbags or features like lane assist may cost more than one with all the safety-related bells and whistles.

If you’re looking for an affordable auto insurance policy, call Ohio Insurance Center Agency at (513) 522-6300. Their goal is to find an insurance company that can give you the coverage you need at the lowest possible price. Visit them online to contact one of their experienced insurance agents.