Are you one of the many people who feel that what you are paying for car insurance is probably too high; but you just have to pay, since car insurance is a statutory requirement in most legal jurisdictions before you can put a car on road? Have you always wondered why it is that you are charged so much on car insurance, whereas nearly everyone that you talk to seems to be charged what turn out to be considerably lower car insurance premiums? We attempt to answer that question for you here.

As it turns out, car insurance providers - as indeed the providers of all insurance products - price their products depending on what they see as the customer’s risk profile. A person who seems to be at a higher risk of becoming victim to whatever it is that they are taking insurance against is therefore likely to be charged more for insurance than a person who seems to be at a lower risk of suffering from the same.

In working out your risk profile - the primary factor that goes into determining the rate at which they offer you their products at - car insurance providers look at a number of factors.

Your road-usage record, and conduct with regard to the ‘highway code’ is one of the factors that car insurance providers look at in working out what to charge you. If you have a record of being ticketed almost every month for one or another road-usage offence, it should not come as a surprise when you find your car insurance bill getting higher every passing year, while people with better ‘road usage’ records get charged lower car insurance premiums.

The very car you drive, too, can turn against you when car insurance premiums are being worked out. Some car models, as you will come to discover, have been noted to be more prone to accidents than others. And if you happen to drive on of the ‘higher risk’ cars, it should not come to you as a surprise when you find out that what you are paying as ‘car insurance’ is higher than what your friends driving ’safer’ cars are paying. You can, of course, mitigate against the ‘high risk profile’ of your car by installing features like air bags and anti-lock brakes, which could see its risk profile lowered to be at par with the ’safer’ car models.

Younger people, perhaps due to hormonal action or ’sheer lack of wisdom’ have been noted to be - on average - much more ‘reckless’ drivers, with older drivers being considered ‘lower risk’ profile drivers. It should therefore not come as a surprise when all things held constant, your friends who are above 50 years of age end up being charged lower car insurance premiums than you, if you happen to be below 50.

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