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Home > Articles > How to Keep Your Car Insurance Rates Low

How to Keep Your Car Insurance Rates Low

You may have wondered before exactly how car insurance companies determine each client’s premium. In fact, car insurance companies evaluate several different aspects of each customer before presenting a final price. Although different companies offer different prices, your insurance rate will most likely be determined by factors such as:

  • The make and model of your car
  • Where you live (urban versus rural)
  • Your age
  • Your driving record
  • Your gender
  • Your marital status
  • How often you drive
  • Where you regularly drive your car

Despite the extensive factors a company will use to determine your price, you can keep your insurance rates low by following these four tips:

  • Be a safe driver. Accidents cause your insurance rates to increase, so the more safely you drive, the less you pay.
  • Determine if you are eligible for any discounts. Some companies will offer discounts to high-performing students, those who insure more than one car, and those with good driving records.
  • If purchasing a new car, consider buying a car that the insurance company feels is at a low risk of being in an accident or getting stolen.
  • Use public transportation or join a carpool program in order to reduce how often you use your car. If you do not use your car often, your insurance rates will be lower.

Choosing the right car insurance for your needs can be confusing and time-consuming, but having the right insurance is important in the event of an automobile accident. Unfortunately, sometimes people who are involved in accidents are unable to get the compensation they need from their insurance company for injuries suffered or damages incurred.

Contact a Lake Geneva Car Accident Attorney

If you or a loved one has been in a car accident and needs help getting compensation from an insurance company, contact the Lake Geneva insurance claims lawyers of Habush Habush & Rottier S.C. ® at 800-242-2874.

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  • The information disclosed in this form does not constitute, nor create an attorney-client relationship.
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