1. 2210 POINTS
    Brenda Hanson
    Vice President/Agent, Best Rates Insurance Inc, Kalispell Montana
    There are many factors in rates for insurance. Your rates are not only determined by your driving habits and type of car and your age. there are things that make rates increase such as how many people in your area have accidents and duis  and also things like Sandy and Katrina.
    Things to lower your rates are things like deductibles , however high deductible will lower your rates but not by much when you take in to the fact that going from 100 deductible on comprehensive to 1000  may save a you a few dollars in a month   can you come up with 1000 in the event of a loss? Not many can. Also lowering Liability limits but this is not a good choice either in the event of an accident will you have enough coverage?
    My best suggestion is to shop around call in independent insurance agent they can compare rates with many carriers
    Answered on December 16, 2013
  2. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    Car insurance certainly can go up or down depending upon a great many circumstances and factors that effect a company's rate structure.  We all know that a great driving record, strong credit history and taking advantage of a company's "multi line" discounts by insuring more than just your cars will certainly help your bottom line.  The age of your car, how you drive, whether or not it may be used in business pursuits, these are things that can affect the premium you pay as well.  Be sure to check with your insurance professional to be sure that you are taking advantage of all the available discounts.
    Answered on December 16, 2013
  3. 1370 POINTS
    Jack Heller
    Owner, Insurance Browser,
    Insurance Companies are trying to price a product before any one uses it and that is a difficult task So, things like deductibles as suggested here can limit your out of pocket expense in the short term, but maybe costly in the long run. So that is an important part of building a personal insurance program, but not necessarily a major piece. I never recommend reducing your limits. That is a drastic action and one you should avoid at all costs. For whatever reason you thought that was an adequate amount insurance before; it is unlikely that your situation in life dictates that it no longer is necessary. Reduce your costs by how you drive. Many companies will give credit for substantially less driving. The most correlated variable in auto insurance is actual miles driven. So if you can reduce that, you should save on your auto policy..Look at ride share, public transit or other ways to use your car less. If that is not practical look at ways you can drive safer. Be sure your air in your tires is correct, that you can safely  see out of your side view mirrors, that you vision is good and that your attention to driving is foremost and that you are not impaired in any way including lack of sleep. Most accidents are caused by human error. Drive defensively !
    Answered on December 17, 2013
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