Here are some of the reasons why your car insurance is on the expensive side.

No one wants to pay more for their auto insurance than they have to.  However, there are certain factors that will automatically raise your car insurance rates.  Here are some of the reasons why your auto insurance premiums are on the higher side.
Specialty or High-Performance Vehicles
If you have a specialty or high-performance vehicle, don’t expect your investment to end at the dealership.  People who own non-standard vehicles tend to have higher insurance rates than other drivers.  This is because specialty vehicles tend to have higher repair costs than other cars.  So, if you are flying through the streets in a fancy sports car, you should expect to pay more for insurance than someone in a standard sedan.
Low Deductible
Another reason why your insurance rate might seem high is because you set a low deductible.  Many drivers set lower deductibles to ensure that they can afford coverage if they ever get into an accident.  However, it’s important to remember that your insurance deductible and your premium have an inverse relationship.  This means that the lower your deductible, the higher your premiums will be.  If you would like to save some money on your auto premiums, consider raising your deductible.
Violations on Your Driving Record
Finally, drivers with numerous traffic violations or a history of auto insurance claims should expect their insurance rates to be on the higher side.  This is because drivers with many citations and violations are seen as more reckless and therefore more risky to insure.  This perceived risk will translate into higher premiums.  If you want to lower your rates, make an effort to drive more cautiously and keep your driving record clean.  Keep this up and over time you should see your rates start to drop.
These are some of the reasons why your car insurance might seem so expensive.  Do you have more questions regarding your auto insurance?  Don’t hesitate to contact the team at Young Insurance.  Our experts are ready to address all your coverage needs.