![]() Location: Different states have different average rates for insurance.Larger vehicles and more expensive vehicles typically cost more to insure. ![]() ![]() Vehicle information: The type of car you drive affects your rates.Credit history: People with bad credit scores will have to pay more for car insurance than those with good credit scores.Senior drivers also pay higher rates than middle-aged drivers. Age: Young drivers and especially teen drivers pay the most for car insurance coverage.But that means you’ll need to pay more out of pocket in case of an accident. Deductible amount: You can lower your car insurance premium by choosing a higher deductible.Serious offenses like a DUI can cause them to go up exponentially. A recent car accident or speeding ticket can cause your rates to spike. Driving record: Your driving history is a big factor in your insurance premiums.Higher coverage limits mean higher premiums, and vice versa. Coverage limits: The amount of coverage you have on your plan also drives the price of your premiums.Additional insurance like collision coverage and comprehensive coverage will cost more. ![]() Plans that only fulfill your state’s requirements will have the lowest auto insurance rates.
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