Auto Insurance is essential to our everyday lives, but you also want to make sure to pay a fair price for it.

This guide will show you what are the factors that determine the amount of your Auto Insurance premium, so you can take steps to lower it.

The Car You Drive

Cars with a less-than-stellar safety record cost more to insure. Conversely, you may qualify for discounts if you have a car with built-it security and safety features, and not very susceptible to theft, damage or occupant injury.

Do some research before purchasing your car to check that the model you have in mind offers enough safety features and is not frequently stolen.

Your Driving Habits

How often and how far you drive is also a factor that impacts your auto insurance premium. Obviously, the more you drive, the higher the chances you’ll have an accident. For example, a person with a long commute may get a higher premium than someone who drives only during weekends or to run errands.

Your Location

Your location is also factored in to determine how much you pay for Auto insurance. Crashes, vandalism and theft occur more often in urban neighborhoods, and that translates into higher premiums. On the other hand, drivers in rural areas may benefit from this statistic, as they are less likely to suffer an accident.

Your Driving Record, Sex and Age

Having a crash on your record increases the amount of your premium. Crash-free drivers, or drivers that haven’t had a crash in years, pay less. Your age and your sex also may determine how much you pay for car insurance. Drivers under 25 are consider more prone to accidents, particularly single males.

Consider a Defensive Driving Course

There are some measures you can take to lower your car insurance premium. For example, a defensive driving course may qualify you for a discount. In addition, there are some discounts available to certain categories of drivers, such as seniors or students.

This guide has provided you with the basic guidelines to understand Auto Insurance premiums. However, it’s important to contact an expert to help you go beyond the elemental insurance concepts.

At La Popular Insurance we offer auto, home, commercial, health and life insurance. With 26 years of experience, we offer extremely qualified assistance at an affordable price. Contact us today by email or telephone ( 323-566-5063 , 562-928-1960, 323-773-9793 ) to discover more about our wide range of services.