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There are many factors that come to play when your premium is determined, the best you can do is try to change your driving habits to reflect less risk as a driver, and your insurance company will be able to offer you a lower premium.

It is quite obvious that any prior driving violations you have on your driving record can greatly affect your premium. Also along the same lines is any accident claims you have made. If you make a lot of claims, you are a bigger risk to the company. Do your best to avoid accidents and don’t violate traffic laws, by keeping your record clean you can reduce your premium.