The type of car you drive will determine the rate of your car insurance Austin. If you're driving an expensive sports car, you'll pay a higher premium than someone who drives a smaller, less expensive model. Similarly, insurance companies consider the area where you live. In California, your zip code can affect your rates by up to 91%. Also, if you live in a large city, you'll have a higher rate than someone who lives in a rural area. The main reason for this is that big cities tend to have more traffic and accidents. You may be paying more if you're a young driver who is involved in a collision than a senior.

Another factor affecting your car insurance Austin rate is where you live. While it's unlikely to cause a big change in your rates, it will certainly affect the amount you pay each month. Fortunately, there are a few ways you can lower your rates. For example, consider taking a defensive driving course to help your score. Lastly, keep in mind that credit is not just a factor when it comes to determining your auto insurance rate. In some cases, credit can also affect how much you pay. For example, if you're a woman, your rates will be higher than if you're a man.

Age is another factor that can affect your rates. The younger you are, the higher your risk is. If you're a young driver, you'll have a higher premium than if you're a male. In addition, younger drivers tend to have more accidents and are considered a higher risk than older drivers. For older drivers, being a homeowner doesn't impact your rate as much as it does for younger ones. Insurers believe that people who are older are more responsible and are more likely to pay their insurance policies.