There are many factors that can cause your car insurance rate to be higher or lower. If you want to avoid surprises, make sure to keep in mind that car insurance rates for teens are very very high. No matter how great a driver your teen is, adding them to your insurance is going to hurt a little. Make sure if you have a teen you find a company that has a way to make the addition hurt less. Some companies let your teen watch a safe driving video for a discount, others give a discount for being on the honor roll. Check and see what your company offers. If they don't offer anything, maybe you are not getting the best car insurance rate for your situation.
Passing fifty-five years old can also increase your rate. Check with your company if there is a defensive driving certificate you can get from the motor vehicle department to lower your rate or if there are other discounts you can receive that are age based. If there aren't any, compare rates for car insurance and search for companies that will give discounts complimentary to your situation. You may not always be able to get a cheap car insurance rate, but checking around and asking about discounts can make your insurance less expensive.
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