1. 16470 POINTS
    David Osgood
    Agent, Rural Mutual Insurance Co., Union Grove, WI
    Lessening your coverage limits for your policy would bring your rates down. Other factors that may help lower your premium amount for your auto insurance coverage are going ticket or accident free for at least three years and in some case five years. Moving to another geographic location could possible lower your rate. Keeping your credit score high may also help with you auto rates. There are many other factors that go into your auto rate, too many to  list.
    Answered on August 5, 2013
  2. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    There are many factors that are considered when an insurance company develops the rate you pay for your car insurance. Your age, driving experience and record fo course are key factors. So too is where you live, the type of driving you do and the year make and modle of the car you drive. The amount of coverage you choose directly affects the price you pay as well as taking adantage of any and all available discounts to which you are entitled. Any adjustment of any of these factors will have an affect, positive or negative, on teh price you pay.
    Answered on October 23, 2015
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