Why is my car insurance so high?


Car insurance rates, like most costs, tend to increase over time, and these particular factors are driving premiums up much faster than the overall rate of inflation. Repairing today’s vehicles is more costly, and the cost of medical costs is also rising. These expenses are passed on to you in the form of higher insurance premiums. 

Although some of the variables used by car insurance companies to determine your premiums are beyond your control (for example, your age), others can be improved with a bit of effort. The more variables you improve, the lower your premiums would be, allowing you to make some effective, do-it-yourself auto insurance quote comparison. 

So, what’s the deal with auto insurance being so public liability insurance brokers pricey? Here are the main factors that car insurance providers recognize, ranked by their potential effect on your premium. 

  1. How old are you?

If you are a young driver, you would be wondering why car insurance is so expensive. This is because young drivers are much more likely to be involved in car accidents, and their high rates reflect this increased risk. On the other hand, senior drivers would pay higher premiums because the risk of an accident increases after 69. 

While there is little you can do to change your age, there is one way.  

In three states (California, Hawaii, and Massachusetts), insurers are not permitted to set rates based on driver age. 

  1. Location matters

Your insurance rates can be influenced by where you live, surprisingly. Factors like theft of vehicles, areas prone to natural disasters, bumper-to-bumper traffic, riots, etc., appear to produce more insurance claims vary by region. Your rates will almost certainly be higher if you live in bigger cities than if you live in a peaceful rural area because cities are more susceptible to traffic accidents than small towns.  

The risk level of the environment when you commute through daily can be considered. Insurance firms use your ZIP Code to calculate the risk level of your area. Moving to save money on car insurance is not worth it, but if you’re going to move anyway, you may want to prioritize places with a lower rate of vehicle-related issues. 

  1. A history of prior insurance

A delay in insurance coverage will cause a substantial increase in your premiums. Switching insurance companies does not affect this aspect, but going without coverage for even 24 hours can impact your car insurance premium. If you intend to be without a vehicle for an extended period, consider purchasing a non-owner car insurance policy to prevent lapses in coverage. Having a policy like this would also allow you to keep your driver’s license active during this period. 

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