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.
-
Car Insurance for Bad Drivers With Tickets or AccidentsGet cheap car insurance for bad drivers with accidents or speeding tickets on their driving record by comparing quotes online.
-
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 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.
-
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.
-
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
-
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?
-
Credit Scores and Car Insurance RatesMost insurance companies use consumers’ credit history as a factor in determining car insurance rates. Find out why and how it could be affecting your insurance premiums.
-
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.
-
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.
-
Car Insurance Premium Rate FactorsYou’re legally required to have at least some auto insurance. Find out what factors influence the cost of your coverage, and how to reduce your rates.
-
How Your Car Affects Your Auto Insurance RatesFind out why some cars are more expensive to insure than others and what you should look for in a car to keep your auto insurance rates low.
-
Why Did My Car Insurance Company Raise My Rates?Wondering why your car insurance company raised your rates? It may have more to do with your carrier’s profit margin than your driving record.
-
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.
-
Why Is My Car Insurance So Expensive?It seems that every year insurance companies raise your rates. It doesn't even matter how good a driver you are. When your premium renews, you're probably going to be paying more. There are many reasons why insurers keep raising rates. Some are less obvious that others. Read on to learn why you will almost certainly pay more for auto insurance this year.
-
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.
-
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.
-
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.
-
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
-
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.
-
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.
-
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.
-
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.
-
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.
-
How To Insure Cars With A Salvage or Rebuilt TitleInsuring salvage cars or vehicles with a rebuilt title can be tricky. Find out why some insurers charge higher rates or refuse to cover them.
-
Car Insurance Cancelled vs. Non-renewalWhen your car insurance company wants to drop you, they can do it in one of two ways. They can cancel your policy or they can just not renew it. While these may sound similar, they are very different. Find out which one you want to avoid!
-
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.
-
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.
-
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.
-
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.
-
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.
-
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.
-
Car Insurance for Senior Citizen DriversDo seniors pay higher car insurance rates than younger drivers? How old is too old to drive? Are senior citizens more dangerous on the road? Find out how to get the lowest rates on a fixed income!
-
How to Save Money on Teen Car InsuranceInsuring teen drivers is expensive, but you can save money on your premiums if you read this article and try some of these simple tricks to lower your rates.
-
Cheap Car Insurance for College StudentsHere are 14 things that current or soon-to-be college students and their parents need to know about getting car insurance and keeping the cost of insurance premiums low.
-
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.
-
The Cost of Teen Car InsuranceIf you're a teenager, or the parent of a teenager, you know firsthand how expensive car insurance is for teens. Car insurance for adults is expensive enough, but rates skyrocket for teen drivers. But there are ways young and teenage drivers can lower their auto insurance rates
-
Car Insurance for New DriversBuying insurance as a new driver is an expensive and confusing maze to navigate. We'll teach you insurance basics and show you how to find the right policy at the right price.
-
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!
-
11 Things You Need to Know if You Get a DUI or DWISerious 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.
-
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.
-
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.
-
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.
-
Car Insurance for Young and Teen DriversPlanning on adding a teenage driver to your car insurance policy? Brace yourself for a significant rate increase. Find out how much and why.
-
Getting Off of Your Parents’ Car InsuranceGetting off your parents' car insurance and purchasing you own policy for the first time can be intimidating. Our guide makes it easy for young drivers looking for affordable auto insurance!
-
How does a DUI Affect Car Insurance Rates?The consequences of a DUI conviction can be serious. Read on to learn how to minimize the damage to your finances, driving record, and insurance.
-
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.
-
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?
-
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.
-
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.
-
Insuring a Car with a Salvage Title
You might save some money buying a salvage-title vehicle, but you also might have a hard time insuring it. Or you might pay more for that coverage than you would for a “clean” car. Here’s all you need to know about getting insurance for a salvaged auto.
-
How Car Insurance Coverage Lapses Can Affect RatesLetting your car insurance lapse may not seem like a big deal, but it is. Any gap in coverage can cause all kinds of problems for you – from state fines, to higher premiums, to being unable to get coverage at all. Here’s what to do if you find yourself in this situation.
-
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.
-
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?
-
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...