No one wants to pay more money for their car insurance than they have to. But finding affordable car insurance can be a challenge. Every car insurance provider uses a unique formula to determine how much you'll pay for coverage. It's possible to get ten different quotes from ten different companies when you shop around and compare rates. However, the amount you'll pay for car insurance is far from random. Read on to learn a little bit about some of the factors that influence your car insurance premiums.

  • Your driving history. Drivers with a clean driving history are less likely to be involved in an accident in the future when compared to drivers with infractions on their record. If you have an accident, DUI, or traffic infraction on your record, you'll pay more for coverage.

  • Your vehicle type. The type of vehicle you drive can affect your premiums. If you drive a very expensive new car, you'll pay more for insurance because repair costs on luxury vehicles are higher. If you drive off in an affordable used car, such as one of the many reasonably priced pre-owned vehicles available at Piazza Subaru of Limerick, the go-to dealership for drivers in Montgomery County, you'll pay less for coverage.

  • Your credit score. What does your credit score have to do with your car insurance? Drivers who have a low credit score are more likely to file an insurance claim, file an inflated claim, and even commit fraud. If your score is low, expect to pay more for your insurance.

  • Your age. The more years of experience you have on the road, the less you'll pay for insurance. Teen drivers have some of the highest car insurance rates because they're much more likely to get into an accident. Senior citizens also have higher accident rates-and more expensive insurance-as well.

Do you have the vehicle you need to make it through the winter? If not, head over to Piazza Subaru of Limerick to visit our Subaru dealership in Chester County for a new or pre-owned Subaru. We'll help you find the affordable vehicle you and your family need!