A number of factors determine car insurance premiums. They can also be lowered when it comes time for renewal by following a simple number of steps throughout the year.

A good driving record can equal reasonably low insurance premiums. At the start, this can save drivers a lot and keeping it clean can add up to more savings over the years. Accidents, traffic violations and convictions can all cause a raise in costs.

Drivers that choose luxury cars will end up paying more for insurance premiums. A new car can also cost more so be sure to check insurance rates before committing to a car purchase. The IBC (Insurance Bureau of Canada) will give ideas on how much makes and models cost in terms of insurance. In addition, checking the top stolen cars in Canada and applying an immobilizer to a car can keep costs down.

Automobiles keep insurance premiums running. The more that one is driven the more expensive that the premium may be. For this reason, a car must not be driven everywhere and the mileage should be kept low. Consider other options to getting around town.

Only have the coverage that is needed so that unnecessary charges can be avoided. This means that older cars can go without collision coverage and those who drive the car should be low risk drivers. Having a higher deductible will lower the cost too. Other ideas for lower premiums include paying home and auto insurance together, having one company take care of every car in the home and attention to detail with the premium costs.

Keeping a line of communication open with the insurance company is a great way to keep premiums low. Changes in life can mean discounts for insurance. Being employed for a certain company or a part of a professional group may also mean bigger discounts, as well.