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Your driving record : Essentially, the better your driving record is, the cheaper your car insurance premiums will be. Having speeding tickets or a history of getting into car accidents means that you are a high risk driver, and you will end up paying more for your car insurance. If you have a poor driving record, then it is certainly worth your while putting the time and effort in to making amends for it. The longer it was since your last offence, the less bearing it will have. Signing up for an advanced driving course is also advisable, to show insurance companies that you are serious about being a excellent, sensible driver from now on.

Type of car : Changing the make and / or model of your car can drastically reduce your insurance premiums. Thousands of dollars a year could be saved by doing this. You want to choose a car that is less likely to be stolen, for example.. Another example would be cars with inbuilt safety features; they also cost less to insure.

Your address : Some car insurance companies deny it, but it is widely believed that where you live affects how much your premiums are. Whether this works out in your favor or not is a bit of a lottery. The zip code of the area where you live, and the immediate areas around it, is evaluated in terms of the number of accidents that take place there each year and the number of vehicles that were vandalized or stolen. People living in areas classified as ‘high risk’ by insurance companies may well have to pay twice as much as someone living across the other side of the city.

So, if you reckon that you are paying too much for your car insurance then consider which of those factors is responsible and try to address it. If there is a change for the better in any of these factors, then be sure to tell your insurance company straight away, as they should be able to immediately reduce your premiums to take in to account the change in your circumstances.

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