If own a car, it is your responsibility not just to properly maintain the auto to ensure its roadworthiness condition, but you also need to duly have it registered annually and get the proper auto insurance for it to get sufficient protection. After all, insurance is a form of risk free management wherein you get financial protection on a particular type of coverage for a certain amount of fee.
Insurance fees, including auto insurance fees can vary from person to person. Even if both individuals have the same type of auto and are getting the same type of auto insurance coverage, their fees will differ depending on the risk the insurer is taking when insuring the individual. Most likely, the person whom the auto insurer considers as high risk, possibly due to his police and vehicular incident records, will be the one who will be paying a much higher auto insurance premium.
The truth is that if a person has bad credit score and/or have incurred a number of driving incidents within just the past year, such as being convicted of driving under the influence of alcohol, involvement in road accidents, and simply an overall bad driving record, it is even possible the insurer may not issue that person with auto insurance policy as they are simply of significant risk of loss for the insurer. Even if an insurer agrees and reconsiders providing that individual with auto insurance, there is no doubt that the premium they need to pay will be insurmountably high as compared to those with good driving records.
If you are a regular Joe and you have an automobile that you love to drive regularly, but not as often and as far to cover long distances, if you have a good driving record and have never been in any vehicular incident within the past five years, then you have a good chance of lowering your car insurance premium.
We all know that shopping around for the best car insurance quote offered is the best way to get a low premium on your car insurance. However, if you have a good credit score standing, there is a chance that your auto insurer will safely assume that you are not risky to insure. After all, individuals with good credit score ratings are considered by many as being responsible and have a high standard and value over integrity and self-preservation, which they will most likely intend to keep.
Aside from having a good credit score, if you only run very low mileage on your car (or that particular car you are insuring) you can ask for a low mileage discount from your insurer. If you drive less than 7500 miles per year on that car, then you are eligible and certainly qualify for the discount.