The things insurance companies look at

To keep your car insurance premiums at a minimum, here are some of the things insurance companies look at when assessing your vehicle when you apply for insurance:

1. Cost
The more expensive the car, the higher the premiums will be. So just get a flashy car when you can afford the premiums as well.

2. Projected costs.
By this we mean projected costs of repairs and spare parts and maintenance. Again, the higher and more expensive these activities and components are, then you can also count on higher premiums.

3. Driving habits
How many tickets have you been issued in the past year? 1? 10? 20? The more traffic altercations you are in, the more you are considered a high risk driver and thus need to pay more expensive premiums. So always practice defensive driving, and don’t let your temper on the road get he best of you.