| Getting car insurance quotes is a real drag for most of | | | | much money you will have to pay out of your own |
| us. Which is why many of us will remain with the same | | | | pocket before your insurance kicks in. Usually, you will |
| company for years, even if they are not giving us the | | | | see a noticeable savings when you change from a |
| best price. It would seem that if you have paid | | | | $500 to a $1000 deductible. |
| thousands of dollars into your provider over the years, | | | | 3. Your Grades: If you are a student, then getting good |
| that they would reward you with a lower premium. But | | | | grades will result in lower car insurance premiums. |
| that is not the way it usually goes. | | | | Sometimes this can be as much as 10 to 15% for a 3.0 |
| Of course, some things are out of your control such | | | | and above. Who says you cannot get paid for good |
| as your age or where you live that will affect your car | | | | grades? |
| insurance premiums, but there are other factors that | | | | 4. Your Credit Rating: Many of the insurance |
| you can control and that will reduce your rates. | | | | companies check your credit rating. A good credit |
| | | | score likely means that you are responsible and |
| 1. The Type of Car You Drive: It should go without | | | | trustworthy. This is something that the insurance |
| saying, but if you drive a fast sports car, your car | | | | companies like to see. They want to know that you |
| insurance will be more. People who drive Mustangs or | | | | take care of your bills, thus translating to you take care |
| Corvettes will pay more for the exact same coverage | | | | of your stuff - like your car. |
| with all the exact same other factors. No matter what | | | | 5. Monthly Premium Payments: If you decide to pay |
| your age or driving record, these types of cars will | | | | your premium on a monthly basis, your rate will be a |
| cause your premiums to increase. But it is not only fast | | | | little bit higher. However, if you pay for it as six months |
| cars that can do this, if your car is listed as one that | | | | at a time, you will receive a lower bill. Usually they call it |
| gets stolen more often, this too will increase your rates. | | | | processing fees but the bottom line is that they like to |
| 2. Your Deductible: Choosing a higher deductible will | | | | have all of their money up front. |
| lower your monthly insurance bill. The deductible is how | | | | |