7 ways to drive car insurance up or down

Events that play havoc with premiums
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Events that play havoc with premiums

Being at fault in a car accident, receiving a moving violation or filing a damage claim represent the trifecta of events that often trigger automatic premium increases.

Again, how they affect your premium differs from state to state and insurer to insurer, Lankford says.

Though there is no way to avoid a premium increase resulting from any of these three events, Lankford makes one suggestion to ease the pain. Raise your car insurance deductible, a strategy generally used to lower auto premiums.

"I recommend a deductible of $1,000 or more because it discourages making small claims that will drive up your premium," she says.




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