Car insurance protects you and your vehicle while you’re on the road. There are many policies to choose from, but each premium depends on several factors. From the car you drive to where you live, your insurance rates will fluctuate. Keep your rates low by understanding how they’re calculated.

What Factors Will Change Your Car Insurance Rates?

Drivers under the age of 25 pay higher rates. They lack driving experience and have an increased likelihood of being involved in an accident. However, those rates decline the older and more experienced driver you become.

How you drive will also affect your rates. Tickets, accidents, and major violations like DUIs, will make you a risky driver to insure, so your rates will increase.

You should also consider the car you drive. Different cars will have different costs to repair and are capable of different levels of damage in accidents.

Married couples have lower car insurance rates compared to their single, divorced, or widowed counterparts.

Your location also plays a role. Rural areas have lower rates since there are fewer reports of vandalism and theft. However, some companies take a more detailed look at your address, deciding on your risk according to your ZIP code.

Even a smaller decision, like where you park your car matters. If you’re a homeowner, parking your car in the garage will decrease your risk, whereas parking on the street increases it—especially in cities.

How Can You Keep Your Car Insurance Rates Low?

Bundling your homeowners and car insurance under one company will provide you a discount on your rates.

You can also ask for a higher deductible, which is the amount you pay yourself on a claim before the insurance goes into effect. When you increase your deductible, your car insurance premium will decrease substantially.

While driving more often increases your experience, driving too often will also increase your rates. If you drive below the average number of miles a year, you'll receive a discount.

When shopping for a new car, look at the safety features. When you drive a car with anti-lock brakes, airbags, and automatic seatbelts, you’ll be given a discount by your provider.

Teen drivers are expensive to insure, but there are discounts available to them as well. Some insurance companies provide discounts for students with high averages. They’ll also receive a discount if they take a safe driving course. By doing both, you can save between 5% and 25% on your premium.

For 20 years, the residents of New London, CT, have relied on the devoted brokers of Action Auto Insurance Agency Inc. for their car insurance needs. Their staff works tirelessly to provide the most amount of coverage for the least amount of money. They provide a wide range of insurance policies from some of the most recognized carriers in the country. For more information on their numerous vehicle insurance coverage, visit their website. To make an appointment with one of their knowledgeable brokers, reach out to them at (860) 444-7224.