Control what risk factors you can

You can’t control your age or gender, but there are some factors you can control.

Keep a clean driving record, build a good credit score, purchase a vehicle whose insurance won’t break the bank, and choose the right coverages for your needs.

Just because your rating factors aren’t perfect doesn’t mean you can’t get better rates. Each insurance company weighs your risk differently, so make sure you shop around once or twice a year. Find the insurer that is pricing competitively for your particular combination of factors. Rate quotes can vary by hundreds of dollars or more.

Strive to keep insurance companies happy by posing less of a risk with the rating factors you can control, and in turn, your wallet will be happier, too.