Car Insurance Rate Factors

Find out about the many factors used by insurers to determine your car insurance rate including car accidents, tickets, where you live, marital status, the type of car you drive, your occupation, and more.

Thief breaking into car

What To Do if Your Car is Stolen

Basic auto insurance doesn’t cover car theft unless you have comprehensive car insurance. Even then, you have to make sure you're taking the right steps and after your car has been stolen.

new drivers in car

Car Insurance Costs for 20-Year-Olds

The average cost of car insurance for a 20-year-old driver is $86 per month for a minimum liability policy. Here's how to get cheap coverage at age 20.

Cheapest Car Insurance for a Bad Driving Record

If you have a bad driving record, you'll pay between 26% to 75% more for car insurance. We'll help you get cheaper rates.

At What Age Do Car Insurance Premiums Go Down?

People with a clean driving history will see their car insurance rates drop considerably around age 25. Find out how your rates compare.

car insurance average cost

Average Cost of Car Insurance (2021)

Our research shows the average monthly cost of minimum car insurance is $87, while a full-coverage policy costs $178, on average.

teen boy driving car

The Cost of Teen Car Insurance

Car insurance for teens is expensive. Here's what it costs, plus why it costs so much and how you can lower your rates.

Officer writing a ticket

Is a Citation the Same as a Ticket?

Citations and tickets are essentially the same thing, and getting a ticket can hurt your insurance rates.

man upset after car crash

What You Need to Do When You're Hit by an Uninsured Driver

There are millions of drivers on the road without insurance coverage. Here's what to do if someone without car insurance hits your vehicle.

sad man in front of wrecked car

How Long Do Accidents Affect Car Insurance Rates

How much does your car insurance go up after an accident, and how long does that increase last? Find out here.

18 year old driver

Cheapest Car Insurance for 18-year-olds in 2021

Car insurance for 18-year-old drivers is expensive. Here’s how much it costs, how to get cheap car insurance at 18 and more.

Best Car Insurance for Teens

Teen car insurance is expensive, but you could save money on coverage if you get it from the right company.

angry woman talking on phone

What to Do if Your Car Insurance Claim Was Denied and Reasons it Was Denied

Car insurance companies can and do deny claims. Find out how to prevent it from happening to you, and what you can do if your claim is rejected.

woman adjusting rear view mirror

Telematics Car Insurance: How Does it Work? Should I Get it?

Telematics devices are used by auto insurers to evaluate and reward good driving habits. Here's what you need to know.

man texting and driving

Distracted Driving is Dangerous Driving

Using your cell phone isn't the only activity that's dangerous when you're behind the wheel. Learn about others, and why they're so distracting—and even deadly.

cars driving in snow

Winter Driving Safety Tips

The winter months present unique hazards. It's important to be prepared for the worst, and to know how to mitigate the dangers of snowy and icy roads.

breaking into car

How to Prevent Car Theft

These simple steps can make it hard for car thieves to drive off in your car, and make it easier to recover if stolen

marijuana leaf dui stop sign

Stoned Driving: Marijuana DUIs Leave Lawmakers Dazed & Confused

The legal issues surrounding marijuana laws, driving, and car insurance are enough to leave you dazed and confused.

passengers riding in car back seat

Are Passengers Covered by Your Car Insurance policy?

What happens if a car accident injures your passengers? Who pays the hefty medical and hospital bills? The answer may surprise you.

driver pulled over for speeding

How Long Does a Speeding Ticket Stay on Your Driving Record?

Speeding tickets usually stay on your record for three years. Here’s why, plus how long tickets affect your insurance and more.

age and auto insurance rates

How Your Age Impacts Car Insurance Rates

Are you a seasoned driver or did you just get your license? Are you considered a youngster or elder? Find out how your age impacts your car insurance prices.

car insurance form stamped cancelled

What to do About a Car Insurance Cancellation

Your car insurance company can drop you by either refusing to renew or canceling your policy. Find out what to do in this situation.

insurance policy with keys and money

Why Did My Car Insurance Company Raise My Rates?

Wondering why your car insurance went up? Here are the most common reasons for auto insurance premium increases.

woman buying insurance online

Your Job Can Affect How Much You Pay for Car Insurance

Some insurance companies include your job and education as factors in determining your car insurance rates. Is your auto insurance company one of them?

two cars in accident

Tips for Filing Car Insurance Claims

If you've been in a car accident, you may need to file an auto insurance claim. This article can help make it simple.

Worried Car Accident Driver

8 Things to Do if You Get in a Car Accident

Car accidents can be stressful — not to mention dangerous and costly. Here are eight things you should do after a car crash.

pets injured in car accident

What Happens When My Pet Gets Injured in a Car Accident?

Many people love riding around in their cars with their pets. But what happens if you get into a car accident and your pet is injured? Are pets covered by your auto insurance in any way? Read on to find out.

man texting and driving

Using Cell Phones While Driving is as Bad as Drunk Driving

Motorists talking on cell phones drive as badly as if they were drunk. Find out why you should put the cell phone away and focus on the road when driving.

teen driver with graduated drivers license

Graduated Driver License Programs for Teen Drivers

Learn why states offer graduated driver’s licenses, what they (usually) consist of, and how they lower the teen accident rate.

college student in library

Cheap Car Insurance for College Students

Find out how college students and their parents can keep car insurance premiums low.

pin on map

Where You Live Affects Car Insurance Rates

Your state and zip code tell car insurance companies a lot about drivers in your neighborhood. Find out whether your location increases or decreases your auto insurance rates

Best Auto Insurance for Seniors

Want cheap car insurance as an older driver? Get coverage and discounts from the best insurance companies for seniors.

Best Car Insurance for Young Drivers Under 25

Finding cheap car insurance as a young adult is tough. Here’s why, plus which companies are best for drivers under 25.

speeding ticket word cloud graphic

How Do Driver’s License Points Affect Car Insurance Rates?

Tickets and traffic violations can add points to your driving record. Here's what that means and what to do about it.

Common Types of Car Insurance Fraud

Auto insurance fraud is dangerous. It can inflate your premium, and if found guilty of it, there are criminal penalties.

car insurance checklist

Car Insurance Premium Rate Factors

Here’s everything you could need or want to know about the many factors that affect car insurance rates.

young driver leaning out car window giving thumbs up

How Long Can You Stay On Your Parents’ Car Insurance Policy?

Find out how long you can stay on your parents’ car insurance policy, and how to save money when you get your own.

Why Is My Car Insurance So High?

Wondering why your car insurance is so expensive? Here are some reasons — plus what you can do to lower your rates.

What is Non-Standard Auto Insurance Coverage?

If you’re a high-risk driver, you’ll need non-standard auto insurance. Find out what this means for you.

How Car Make and Model Impact Auto Insurance Costs

Different cars have different insurance costs. Find out how your car make and model affects your auto insurance rates.

Getting Car Insurance for New Drivers (2021)

New drivers often see higher car insurance rates due to inexperience behind the wheel. We can help you find cheap rates.

The Best Car Insurance for High-Risk Drivers

Do you have multiple accidents or tickets on your record? Here’s how to get cheap car insurance as a high-risk driver.

The Cost of Car Insurance for 17-Year-Olds in 2021

Car insurance for 17-year-olds is expensive. Fortunately, there are ways to shave hundreds of dollars off your premium.

The Cost of Car Insurance for 19-Year-Olds in 2021

Nineteen-year-olds pay some of the highest auto insurance rates. We have suggestions to help cut costs.

 man and woman sitting in car

Car Insurance Costs for Men vs. Women in 2021

Men and women tend to pay different premiums for car insurance. We can help you understand why and get your best rate.

Where to Get Cheap Liability Car Insurance

To get cheap liability-only car insurance, make sure you compare quotes from GEICO, Erie and Auto-Owners.

car with broken side window

Car Broken Into: What Does My Car Insurance Cover?

If someone broke into your vehicle, your insurance company should pay for damages to your car if you have comprehensive coverage.

cars in a minor bender bender accident

Should I File a Car Insurance Claim for a Minor Car Accident?

Sometimes filing a claim with your car insurance company isn't in your best interest. Here's when you shouldn't file a claim and why.

deer in road hit by car

Does Car Insurance Cover Hitting Deer or Other Animals?

If you have the right kind of auto insurance, it should cover car damage caused by hitting a deer or other animal.

driver in front of totaled car

Totaled Cars: What Happens When an Insurer Totals Your Car

Here’s what it means when an insurance company declares your car a total loss, what you can do about it and more.

traffic lawyer reading a law book

Traffic Tickets: When Should You Fight Them?

Challenging a traffic ticket isn't always the best option. We explain when you should fight and when you should just pay.

red light camera

Red Light Cameras, Speeding Cameras and Car Insurance Rates

Find out when, why and how tickets from speeding or red light cameras impact your car insurance rates and driving record.

tree fell on car

Does Insurance Cover a Tree Falling on My Car?

If your car is hit by a tree, your comprehensive insurance should cover it. But it could depend on where the tree is located.

Smashed Windshield

Will My Car Insurance Cover Windshield Damage?

Windshield damage can be caused by anything from a rock to a break-in. Here's what to do if your glass chips or shatters and how to file a claim.

Car almost completely submerged by flood water

Does Car Insurance Cover Flood and Water Damage?

Auto insurance may cover damage due to flood if you have comprehensive coverage. Fortunately, it's pretty affordable.

What Happens if I Have a Car Insurance Lapse?

If your car insurance lapses, you can face fines, higher rates and difficulty getting coverage in the future.

lawyer writing at desk

When Should You Fight a Traffic Ticket?

Learn why you should fight traffic tickets, as well as the best strategies for keeping speeding and other moving violations off your driving record.

gavel scales and law books

Cost Benefit of Hiring a DUI Lawyer

Attorneys are expensive, but a DUI can cost you even more. So, is a DUI lawyer a good investment? Our research says yes, it is.

DUI record with car keys, whiskey and handcuffs

How Does a DUI Affect Car Insurance Rates?

Learn about how much a DUI affects insurance rates, how long a DUI affects insurance rates and more.

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What Happens When You Get a DUI

Serious penalties, like losing your license and seeing your car insurance rates skyrocket, often follow DUI convictions.

How Long Does a DUI or DWI Stay on Your Driving Record?

A DUI or DWI usually stays on your driving record for five to 10 years and your insurance record for three to five years.

ticket on windshield

How Do Parking Tickets Affect Your Car Insurance Rates?

While getting a parking ticket won’t directly hurt your auto insurance rates, not paying it can lead to trouble for you.

credit score image showing good credit

Credit Scores and Auto Insurance

If you have bad credit, you'll likely face higher than average car insurance rates. Find out how much higher, and why.

How To Insure Cars With A Salvage or Rebuilt Title

Insuring a salvage title car or a car with a rebuilt title can be tricky. Here’s why, plus how these branded titles affect insurance and more.