Credit Score: Paying your bills on time can mean lower car insurance rates in states that allow companies to use credit history when calculating premiums.Drivers with a history of clean driving records not only get better rates, but they also may be eligible for other discounts. Driving Record: New drivers or drivers with several tickets or accidents on their record are riskier to insure, which means they'll pay more for car insurance.But even if optional, they may be worth considering since they can provide broader protection if you’re in an accident, whether as a pedestrian or driver, that involves a driver without insurance.

Additional Coverage Required by State (PIP, UM, etc.): Some states mandate personal injury protection and uninsured/underinsured motorist coverage, which costs extra.Less dense populations in rural areas see fewer accidents and thefts than highly populated urban areas. Location: Where you live can significantly impact your car insurance.Expect higher rates for teenagers and senior drivers than other age groups. Age: Drivers under the age of 30 and over 75 are statistically more likely to be involved in accidents and have higher fatality rates.Additional coverage could include roadside assistance, medical payments and rental car reimbursement. Coverage Amounts: The more coverage, the higher your premium, but the more options you have if you’re in an accident or your car breaks down.

Roadside assistance, rental car reimbursement and gap insurance may also be included as part of full coverage. Full Coverage: Full coverage will cost more than liability-only because of the additional coverages like comprehensive and collision coverage.

Consider these when getting quotes to compare for car insurance: Many factors go into calculating your car insurance cost.

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