As soon as I received my Florida driver's license, I was included in my hubby's car insurance coverage. Pretty soon, I will have my own car; so the other day, I began researching on how I can find affordable car insurance.
There are a number of factors that can affect the premiums we pay for our car insurance.
1. Age and Gender. Drivers under the age of 25 and over 60 are considered "high risk drivers" and are charged higher insurance premiums. Women drivers are "low risk" drivers compared to male drivers, so they usually pay lesser premiums.
2. Car. The kind of car you drive is also another factor that determines the amount of insurance.
3. Car's location. If you reside in an area where the crime rate and road accidents are high, then chances are, you will be paying higher premiums.