There are two things that insurance providers have their eyes on: the driver and the car. And both of the factors are viewed by these companies based on the risk that they pose. They try to see if the car is one of the most commonly stolen type, or the speedy type who could cause enormous damage if it meets and accident.
On the other hand, they see the driver based on the background. In short, they will take a look at your driving history. So if you want to get a cheaper rate, the best thing that you could do is to start becoming a responsible and defensive driver.
There are lots of drivers who laugh at those defensive drivers. But then, what they do not know is that aside from safety; defensive driving is a simple way to dive your car insurance rate lower. That is also the reason why women get a cheaper rate of insurance than men. Note that women are less aggressive when it comes to driving which only show that they are less risky than male drivers. Also make sure that your “clean” driving record is way beyond five years. That is because car insurance companies will sure dig up to that longevity.
Another thing that you could use to present that you are a less-risky driver is through getting a certificate from defensive driving schools. Therefore you must enroll in and pass a safe-driving course to get a certificate, and lower down your insurance rate. But before that, you must inquire about the courses that are required by a certain insurance company that could lower your car insurance rate.
Apart from it, driving less is also a way to lower down your insurance rate. Note that if you drive less, there is also a lesser chance that you’ll commit a road accident, regardless if it is or it is not your fault. This is the rationale behind why senior citizens get a lower car insurance rate. They tend to have a low mileage in comparison to others.
Best of all, if you want a cheap car insurance rate, you should plan it out for years. Being a safe driver has a lot of rewards, and one of them is having a low insurance rate. Defensive drivers or safe drivers always belong to the low-risk group, and they get the lowest car insurance rate. Although your car could also affect the rate, but you as a driver has a greater influence over your car and the insurance rate.