Why Is My Auto Insurance So Expensive? 
Auto Insurance premiums are based on several factors which include ; age , gender -LRB- males are generally more risky -RRB- , past driving history , the type of car and the coverage you have or are required to have on it -LRB- if you have a loan , they you will be required in most cases to be fully covered -RRB- , if you can `` bundle '' your coverage with other needs such as multi-car discount , your homeowners , etc. . Contact your agent to find out more specifics on why your insurance is expensive . 