Insurance companies use several factors to determine how much your premium will be. The most important are your years of driving experience, violation and accident point count in the last three years, type of car you drive, where the vehicle is garaged, and most importantly how much insurance you buy.
The best way to lower the cost of your automobile insurance is to look for any discounts that you may qualify for, such as:
Find out how much you can save if you increase your deductibles. Usually it is best to keep your Comprehensive Deductible lower. You will find there is little savings in lower the deductible. However, there are larger savings when you increase your Collision Deductible, sometimes 5-10%.