There are many factors that affect your car insurance rates, including your age, gender, where you live, your credit and driving history and the type of car you drive, among others.
1. Driving record
This is obvious. The more claims, tickets and DUIs you have, the higher your insurance premium will be. Sometimes it is possible to take a traffic school class to get a traffic ticket removed. Also, it is possible to fight a ticket in court; sometimes the penalty is reduced or completely removed if the police officer doesn’t show up.