Why Are My Auto Insurance Rates So High? 
Automobile rates are determined from several factors : If could be the company you are with . Be sure to shop around , What does your driving history look like ? If you have a record of events , this will increase your rates . Age . If you are a teenager , your rates will be higher than someone in there 30 's for example . Credit history . Some companies use this as a factor to your premium rates . Type of coverage you have . This is a bit subjective however if you are still paying on your car , then you probably are paying for full coverage . This is more expensive than just liability . Please note , I am not recommending you to get liability just to reduce cost . Consult your auto insurance agent to review the plans you have available and the related costs . Be sure to ask why you need it , is it mandatory or required , what you loose if you do not have it . 