How Can I Lower My Car Insurance Rates? 
There are short term ways or quick ways to lower your rates such as packaging a home or renters insurance policy with your auto insurance if your company has both . Rates these days are really driven by the company base rates and you individually . Some of the factors that will effect your rates is credit , your driving history , the length of time you have been insured , zip codes , age , marital status and your claim history . Many companies have rates in `` a black box '' so other factors at times are hard for agents to explain . If you have not done so I recommend contacting an independent agent so they can shop for you different companies and find which one fits best for you on both coverage and price . Good Luck 