What affects the pricing of your Florida auto insurance policy? There are five main factors that are involved when an insurance company adjusts your premium:

1. Age - there's not much you can do to change your age except wait, unfortunately. Younger drivers are perceived as higher risks since they're not as "mature" in their driving as a more experienced driver might be.
2. Gender - Another factor that you can't do much about (without some extensive surgery). Men are generally perceived as being more dangerous drivers, so women often get lower rates.
3. Type of Vehicle - If you want lower premiums, get a car with a lower price tag. Mustangs and Aston Martins can be nifty, but you wouldn't believe the rates these things get!
4. Driving Violations - The well-seasoned driver may be familiar with how traffic violations (i.e. speeding tickets) can affect your insurance premium. My advice: whenever possible, take an online driving course to eliminate the possibility of points accruing on your license. This keeps insurance companies from jacking up your rates!
5. Insurance Company - Now here's something you CAN control. Find an independent agent that will shop your policy around to find the best deal for you! Some companies simply offer lower prices.

Any other questions on how to keep your premium affordably low? Give us a call at 800-625-3778. Headquarter Insurance can review your current policy and see if we can save you a bit of coin.