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The average American driver spends about $700 a year. Your premium may be higher or lower, depending on the following:

• The amount of coverage.
• Your driving record.
• Your age.
• The number of miles you drive each year.
• The car you drive.
• Where you live.

You could suffer stiff penalties and your vehicle registration could be suspended if your insurance policy lapses 10 or more days without continuous coverage or if it is canceled.

Drivers may use copies of the following to show proof of insurance:

1 - Your insurance policy or binder.

2 - The I.D. card issued by your insurance company.

3 - Your declaration page.

4 - A written statement from the insurance company or agent as long as the letter is on company letterhead, includes all of your vehicle's information, and is signed by your insurance agent.

5 - If you are renting a car, the copy of the rental agreement that specifies the insurance coverage.Providing false information about your insurance could result in fines and jail time, in addition to having your registration suspended.

Most drivers, especially those with higher incomes, carry much more insurance. Most insurance companies recommend at least $100,000/$300,000/$50,000 coverage and coverage of up to $1 million per accident for those with high net worths.

Factors that contribute to your premium:

• Driving record. In some companies they call it “No Claim Bonus”. It is the number of years you drove without accidents and consequently without claims to the insurer. If you have a considerable safe driving record, your premium will be lower.
• Age. Young drivers are considered to be less experienced by most insurance companies. Therefore, those under 25, be ready to pay a young drivers excess.
• Sex. Statistics has proved women to be more careful on the road. So their premium can be less.
• Car usage. When trying to reduce the premium, consider your lifestyle. It may be sound to use pay-per-mile auto insurance, when you use the car occasionally and prefer public conveyances. Though, it won’t work for those who drive a lot.
• Domicile. In big cities, where people often leave their cars on the street at night, the risk to have your car stolen, burnt or damaged is higher.
• Car. Insurance companies pay much attention to your car. Of course, an old car will be quoted a higher premium. Dealing with new cars, insurers basically judge by the engine and type of the vehicle. The more safety gadgets your car has, the better. Sports cars, even with best safety systems, are considered to have higher risk factor.

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