As a car owner, you may be wondering when the dreaded car-insurance rates will finally go down. After all, who doesn’t want to save some extra money each month? Unfortunately, the answer to this question is not straightforward. Car insurance rates are impacted by a variety of factors, including your driving record, age, location, and the type of car you drive. While it’s impossible to predict exactly when insurance rates will go down for everyone, there are some things you can do to try and lower your premiums. For starters, you can focus on maintaining a clean driving record. This means avoiding accidents and traffic violations, as these will inevitably…