Why Do I Pay So Much For Car Insurance? 
That 's really a personal question . Your rate for auto insurance is determined by many factors . Some of those factors are your motor vehicle record , your claims history , your age , your geographic location , themake/model and year of the vehicle you are insuring , the number of vehicles on the policy , the number of drivers on the policy , and many other factors . If you believe that you are paying too much for your coverage call around and see what other carriers in your area have to offer , but remember that you get what you pay for sometimes . 