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Be careful the next time you say, “baby, you can drive my car.” As classic as The Beatles song is, if someone else does something to your car and you do not have insurance, you will have hell to pay – whether that is to your parents or just for your car you have just totaled.

Uncontrollable Factors

Getting the best insurance for your buck starts with your car. Well, really, it starts with who you are. Your rate will depend on several factors, including your age, gender, and where you live. Most of these factors you cannot change, unless you are willing to move to Oregon, where Americans pay the least amount of auto insurance.


Controllable Factors

What you do have control over is your driving record – anything from running a red light to getting in a fender bender can bump up the amount of premium you pay. Drivers with clean records pay the least amount of insurance premiums. In addition, the car that you drive can affect your premium. If you are looking to save money, make sure your car is not the type that is frequently in collisions or a car that is stolen often. Other than the obvious benefit of not having your car stolen, you will also pay less of a premium.


Based on these factors, you have to do your research and find out just how much coverage you need for protection for yourself, your car, and others affected in a collision. Compare prices between agencies and decide what is right for you. Everyone’s  insurance will affect them differently, but be sure you are not just getting the one that allows you to pay the least, but the one that will sufficiently protect you, as well.