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.
-
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.
-
How Long do Accidents Affect Car Insurance RatesAfter a car accident, many drivers suffer from rising insurance rates. Whether or not and how long your insurance costs go up depends on several factors.
-
13 Reasons Your Car Insurance Claim Was DeniedLearn the common reasons why car insurance claims are denied. And find out how to prevent it from happening to you. We also tell you what to do if your claim is rejected.
-
The Cost of Teen Car InsuranceCar insurance for teens is expensive. Here's what it costs, plus why it costs so much and how you can lower your rates.
-
How Driver's License "Points" Affect Your Car Insurance RatesTickets and traffic violations can add points to your driving record, but what does that mean exactly? Learn how points can impact your car insurance rates.
-
Your Job Can Affect How Much You Pay for Car InsuranceSome insurance companies include your job and education as factors in determining your car insurance rates. Is your auto insurance company one of them?
-
When to Fight a Traffic TicketSometimes it makes more sense to challenge a traffic ticket. Sometimes it makes more sense to just pay the fine. Here are some examples of both situations.
-
Driving Habits that Result in Tickets and Higher Insurance RatesLearn how some of the most minor, as well as some of the most serious, moving violations can impact what you pay for car insurance.
-
What to do About a Car Insurance CancellationYour car insurance company can drop you by either refusing to renew or canceling your policy. Find out what to do in this situation.
-
Cheap Car Insurance for High-Risk DriversAre you a high-risk driver with a terrible driving record? Don’t despair, many auto insurance companies offer cheap car insurance to high-risk drivers!
-
Glass Damage and Windshield Auto Insurance ClaimsWindshield damage can be caused by anything from a rock to a break-in. Find out what to do if your glass chips, and when and how to file an insurance claim.
-
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.
-
How Car Insurance Coverage Lapses Can Affect RatesIf your car insurance lapses, you may face fines, higher rates, or policy refusal when you buy coverage again.
-
Best Car Insurance for TeensTeen car insurance is expensive, but you could save money on coverage if you get it from the right company.
-
How To Insure Cars With A Salvage or Rebuilt TitleInsuring 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.
-
Should I Pay for a Minor Car Accident out of Pocket?Sometimes filing a claim with your car insurance company isn’t in your best interest. This is especially true when you're involved in a minor fender bender. Read on to find when it makes sense to file a claim and when it doesn't.
-
What to Do if a Tree Falls on and Damages Your Car?A tree falling on and damaging your vehicle can raise a lot questions and cause a lot of stress. Here’s what you should do if it ever happens to you.
-
Red Light Cameras, Speeding Cameras, and Car Insurance RatesGetting a ticket from a speed or red light camera will cost you. In many states, these photo tickets won’t be added to your driving record. But will they cause your car insurance rates to go up?
-
How Long Does a DUI or DWI Stay on Your Driving Record?In most states, a DUI or DWI stays on your driving record for five to 10 years. Find out how long each of these drunk driving offenses stays on your driver's license in your state.
-
Cost Benefit of Hiring a DUI LawyerA good attorney is expensive, but a DUI is much more expensive. We did the math to find out whether or not hiring a DUI lawyer is a good investment. Spoiler alert: it is.
-
How Much is Car Insurance for an 18-year-old?Car insurance for 18-year-old drivers is expensive. Find out how much it costs, and how to get lower rates.
-
Cheap Car Insurance for College StudentsFind out what college students and their parents need to know about keeping car insurance premiums low.
-
How Your Age Impacts Car Insurance RatesAre 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.
-
Totaled Cars: What Happens When Your Insurance Company Declares Your Car a Total Loss
If the cost to repair your car is close to its value, the insurance company may deem it to be a total loss. Here's what you need to know to make the best out of a totaled car.
-
11 Things You Need to Know if You Get a DUI or DWI
Serious penalties, like losing your license and your car insurance coverage, can follow a DUI, DWI, or OUI conviction. Here are some tips for dealing with this situation.
-
Car Insurance for a 20-year-oldHere's what you need to know about finding cheap car insurance as a 20-year-old.
-
Car Insurance for New DriversBuying insurance as a new driver can be confusing and expensive. Here’s how to get the right policy at the right price.
-
Auto Insurance for Senior CitizensThis article covers everything you need to know about auto insurance for seniors, including car insurance rates and how to reduce risk on the road.
-
How Car Make and Model Impact Auto Insurance CostsDifferent cars have different insurance costs. Find out how the make and model of your car affects your auto insurance rates.
-
When Do Car Insurance Premiums Go Down?Car insurance rates usually go down as you age. They also go down as you gain driving experience or do any of these other things.
-
Car Insurance for Bad Drivers With Tickets or AccidentsIf you have several tickets or accidents on your driving record, find out what car insurance options are available to you.
-
How to Fight Traffic TicketsLearn why you should fight traffic tickets, as well as the best strategies for keeping speeding and other moving violations off your driving record.
-
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.
-
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.
-
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.
-
Why Is My Car Insurance So Expensive?Here’s why your car insurance is so high and what you can do to lower your rates.
-
Car Insurance Rates for Men and WomenDoes gender impact your car insurance rates? Historically, women pay less for car insurance than men. But that could be changing...
-
Credit Scores and Auto InsuranceIf you have bad credit, you'll likely face higher than average car insurance rates. Find out how much higher, and why.
-
Car Insurance Premium Rate FactorsHere’s everything you could need or want to know about the many factors that affect car insurance rates.
-
Does Car Insurance Cover Flood and Water Damage?Car insurance usually pays to repair the expensive damage caused by flooding, but only if you carry comprehensive coverage.
-
Does Car Insurance Cover Hitting Deer or Other Animals?Millions of Americans hit animals every year while driving, and it can cause serious damage to a car. Does insurance cover those damages?
-
Is a Citation the Same as a Ticket?Find out the difference between a citation and a ticket, how they impact insurance, and whether they go on your record.
-
What to do if you get in a car accidentGetting in a car accident is a stressful situation. We’ve provided a checklist of the steps you should take if and when you’re in a car crash.
-
Where You Live Affects Car Insurance RatesYour 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
-
Common Types of Car Insurance FraudCar insurance fraud is more common than you may think. It costs the insurance industry billions of dollars a year. Learn more about insurance fraud and what to do if you’re the victim of auto insurance fraud.
-
Stoned Driving: Marijuana DUIs Leave Lawmakers Dazed & ConfusedThe legal issues surrounding marijuana laws, driving, and car insurance are enough to leave you dazed and confused.
-
Telematics Devices and Car Insurance RatesMore and more companies are offering 'usage-based insurance' or 'pay as you drive' programs. Read on to learn how this works, as well as what it could mean for your rates.
-
Car Insurance Claims TipsIf you crash your vehicle or you're otherwise involved in an accident, you're going to have to file a claim with your insurance company. Here's what you need to know about the claim process.
-
Parking Tickets and Car Insurance RatesThere may not be a direct connection between parking tickets and car insurance rates; however, if you don’t pay your parking fines, the ultimate cost may be much higher.
-
What to Do If You're Hit by an Uninsured DriverThere are millions of drivers on the road without insurance coverage. Here's what to do if someone who doesn’t have car insurance hits your vehicle and damages it or injures you.
-
Someone Broke Into My Car. What Does My Auto Insurance Cover?Car break-ins are the most common crime in America. Learn what your insurance will and will not cover if someone breaks into your car.
-
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.
-
What To Do if Your Car is StolenSomeone steals a vehicle every 46 seconds in the US. Here are the steps you should take if yours goes missing. Also, here is what your auto insurance will and won’t cover.
-
How to Prevent Car TheftThese simple steps can make it hard for car thieves to drive off in your car, and make it easier to recover if stolen
-
Graduated Driver License Programs for Teen DriversLearn why states offer graduated driver’s licenses, what they (usually) consist of, and how they lower the teen accident rate.
-
Winter Driving Safety TipsThe 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.
-
Distracted Driving is Dangerous DrivingUsing 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.
-
Using Cell Phones While Driving is as Bad as Drunk DrivingMotorists 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.