There are a number of factors that affect your car insurance premium. One of the elements that decide the premium and the discounts you have to pay is the state you reside in. There are other factors like your driving history, credit history, claims history, age; sex and the type of insurance you take that have a direct effect on the amount you would be paying.
If you put up in a highly populated area, there is more risk for you to get involved in an accident. In such a case you will have to pay more premiums. Also, if you live in an area where there is less population and the number of hospitals and doctors available nearby is also less. This is actually because when you need to get to the hospital during an accident, you will have to incur more costs and thus you have to pay more premiums as well. The laws of coverage in different states are different and this too would change the terms of premium you are supposed to follow.
It is likely that your state demands a minimum amount of insurance before you can take your car to the streets. The state you live in will decide the highest and the lowest amount you have to pay as the premium. If you live in a state where you have to pay more amount of premium, you should compare car insurance on car insurance comparison sites and look for the discounts that the insurance providers have to give. You can get multiple or safe car driver discounts to lower down your premium. Another way to lower the premiums down is to improve the way you drive and make your record look good. Always obey the traffic rules and first check with the insurance company if they offer any such discounts or not.
Get low cost insurance when you use car insurance comparison sites online to compare insurance quotes.