If you’ve noticed your car insurance rates creeping up over the years, you might be confused, especially if you haven’t been in an accident recently. Insurance pricing is often based on larger statistical changes, such as increased traffic and more expensive cars, which you don’t have much control over. However, there are a few areas where you can take action to keep your auto insurance affordable.

3 Factors That Increase the Cost of Auto Insurance

1. Moving

If you’re planning a move to a city, you might be surprised when your insurance payments go up. That’s because cities usually have denser traffic, increasing the chance of accidents. Car theft and vandalism are also more common in areas with denser populations. Before you move, contact your insurance broker to determine how the new residence will impact your rates.

2. Driving Record

Your driving history has a major impact on how much you’ll pay for insurance, so it’s worth it to have a clean driving record. However, if you’ve gotten into an accident or received a speeding ticket, you can still be proactive. Many insurance companies offer a discount for taking a safe driving course, which can help offset the higher payments until the accidents or traffic offenses are off your record.

3. Type of Car

Buying the latest car with a full array of electronic features might be tempting, but these add-ons are expensive to replace if your car is in an accident. Rates are also impacted by demographic data beyond your control—models that are in car crashes more frequently will cost more to insure. Consult your auto insurance expert and consider buying used to keep your rates in check.

Drivers from Raleigh to High Point, NC, rely on Craig Giovani State Farm® Insurance Agent for their auto insurance needs. He knows that insurance can be overwhelming and frustrating, and he and his team will help you find the best policy for your needs. He also offers home and business policies, so you can bundle and save. Visit his website to get a quote or learn simple ways to handle insurance claims, and call (919) 300-5911 with any questions.