Car insurance can be expensive if you have a more expensive vehicle. However, it doesn't have to break the bank.On average a person pays $120- 150 a month. However, there are some factors which can help or hinder the amount you pay to the insurance company.

Factors include:

Where you live? How many times do you drive on the road daily? The more you drive, the more likely you are to get in an accident. You present more opportunity and are a greater risk.
Who are you? What is your age and gender and relation status? Are you married or single? Do you have a good driving record? These personal statistics are important in an assessment of who you are and your driving patterns.

Tips for lowering your rates:

Buy a car that is in good books of insurance companies. A safe car like a Honda Civic is a safe car compared to say a Mustang. Insurance companies view the car you drive as a reflection of your personality. A sedan driver may be safer than a sports car driver.

If you use public transportation you can definitely save a lot of money. The more you are on the road with your car the more at risk you put yourself for being hit or hitting another in an accident. The more you are on the road, the more your vehicle wears and tares which also can lead you to being a higher risk for an accident.

Long story short, there are several ways which car insurance companies evaluate how much you should pay. This amount can be really high or lower depending on your make and model of your car as well as your personal profile as a driver.

Changing any one of these factors can help you dramatically reduce how much you pay.