One of the main factors that is looked at by an insurance company is your area of residence. If you live in an urban location prone to crime the chance of finding an affordable deal would be less than if you were living in a crime free rural area. If you know that your town or suburb has a high rate of car theft you should make certain you keep your vehicle secure when not being used. When at work choose a parking lot that is patrolled by security guards and at night lock the vehicle away in a garage that has a modern alarm system.
The duration of the policy will also determine the final amount of money you would need to pay to be covered. Whenever possible opt for a twelve month premium as this is usually cheaper than the price of two six month policies.
Your credit status can also impact on the cost of your car insurance. Most insurers will take a look at your credit report before they offer you a quote. This is because they believe that those of us that have had problems keeping up with loan payments are at a greater risk of having difficulty paying for the vehicle insurance.
Another consideration is the type of policy you choose. There is a range of options open to vehicle owners, for example basic liability or fully comprehensive. It is the latter which is more expensive as it would cover you against all eventualities. It is only really necessary to opt for a comprehensive plan if you have a new vehicle that would be costly to repair or replace should it be involved in an accident or get stolen. If your car is a less desirable vehicle opt for a basic liability plan.
Always seek out the maximum number of quotes before making a decision on which insurers and policy to sign up with as this will allow you to avail of a deal that is affordable. The internet contains all the information you will require to make an informed choice.