If you are driving safely and have not been in any accidents, you may not be aware that you are doing anything to drive up your car insurance premium. However, there are some things about you that aren't driving-related that can affect your car insurance costs. Here are some personal factors that might increase your insurance premium.  

Your Credit Score

You are likely already aware that you need to work on having a good credit score to secure a home loan or get a credit card, but you may not know that your credit score can also affect how much you pay to have your car insured. There is some connection between credit score and insurance losses; those with the lowest credit scores seem to be those who cost insurance companies the most money. 

To improve your credit score, get serious about staying on a budget and make sure you pay all your bills on time. You might consider getting another source of income so that you can pay down your debts more quickly. You can also get a copy of your credit score from all major credit bureaus so that you can ensure there are no mistakes on it that may be lowering your overall score.

Your Address

Your address is yet another factor that can affect how much you pay for car insurance. If you live in an urban area that has a lot of crime and has high numbers of car thefts, your insurance is likely to be higher than if you lived in a rural or suburban area.

You may not be able to move right now, but to counteract the effect your address has on your car insurance costs, install anti-theft device on your car and park it in an enclosed garage, if possible.

Your Education Level

Have you graduated from college? If so, you might be paying lower auto insurance premiums than someone who only has a high school diploma. In fact, the more education you have, the more likely you are to pay lower costs than other people. For instance, someone with a doctorate degree will pay about 19% less than someone who dropped out of high school.

Now that you know some personal factors that may be causing you to pay more for car insurance, use the information in this article to help you make changes. Talk to an auto insurance agent who can give you suggestions for finding a suitable, reasonably-priced policy. For more information, contact a company like Northeast Underwriters.