Why Do Auto Insurance Premiums Change?

Paying for auto insurance can seem a bit tricky at times. For some, it may seem like your premium changes nearly overnight, leaving you with little understanding as to why. The truth is, you are not alone! Your insurance premium is, in fact, changing and can change due to a variety of factors. American Tri-Star examines some of the most popular reasons that  auto insurance premiums change and how it can affect you or another driver in your family.

Age

You can’t do much about this one, but your age will certainly determine your auto insurance premium. Drivers who are just getting their license and are new to the road are going to be charged more for their coverage. The good news is that as you get older, your rates will go down. That is, assuming you have a clean driving record. Are you a new driver that always practices safe driving habits? Learn more about cheap auto insurance in San Diego from American Tri-Star and our good student discount.

Driving Record

Being safe on the road is not only so you make it to your destination in one piece but also so you can keep your rates down. Tickets and accidents can lead to higher insurance rates that can be especially hard to lower. Instead of working your way back from high rates due to a bad driving record, do your best to keep it clean from the beginning and drive as safely as possible at all times.

How Far In Advance You Pay

If you really want to lower your insurance payments, you do have the option of paying in advance for coverage. With most companies, the further that you pay in advance, the more of a discount you’ll get. Not only will this save you money, but it’ll also get that payment out of the way so you don’t have to deal with it monthly.

Extra Driving Courses

If you haven’t already, taking drivers education can lower your car insurance premium. It will also teach you some interesting things that you may have never known before getting behind the wheel. Many car insurance companies also offer the opportunity to watch videos or do other work that will allow you to lower your premium.

For additional auto insurance savings, think about bundling your car insurance with your other vehicles. Learn more about San Diego RV insurance and motorcycle insurance, or contact an expert insurance representative at 619-272-2100 and take the first step to affordable insurance today!