Enter your ZIP code:

The Car Insurance Quote & Ratings Factors

The average American spends about $700 a year on car insurance, according to the Insurance Information Institute. Your car insurance quote may reflect more or less cost, depending on the following factors:

Your Driving Record

If you have had no serious accidents or traffic violations, you will pay less than if you have more expensive incidents on your driving record. So remember: Safe driving brings affordable car insurance.

Coverage lapses also affect your insurability, driving up your rates. So be sure to maintain continuous coverage if you want the most competitive price.

Annual Miles Driven

The more miles you drive, the higher the likelihood you will be involved in an accident. If you drive less than the average 10,000 to 15,000 miles per year, the rate you're quoted will mirror that.

Some insurance companies offer discounts to carpoolers. Keep this in mind when looking for a quote, and ask your agent how much you could save by carpooling.

Where You Live

Different areas incur different accident statistics, thefts, lawsuits, car repairs and medical care costs due to accidents. Insurance companies examine these factors when setting the amount you pay.

If you're considering relocation, remember that where you live may have quite an effect on your insurance premiums.

Your Age

Your quote takes into consideration your age and how long you have been driving. Mature, more experienced drivers tend to have fewer accidents, while those who are younger and less experienced generally have more. Therefore, insurers consider younger drivers a higher claims risk, requiring them to pay more in to get more out.

Coverage Amount

As with all types of insurance, the more coverage you purchase on your car insurance policy, the more you pay. However, check with your insurer to see if you qualify for money-saving discounts.

Be sure you carry sufficient car insurance coverage for your own protection; but also be sure you can afford your yearly premium.

Your Car

Your insurance quote also depends on what kind of car you drive. Important variables your insurance company uses to set your premiums include the car's value, repair cost, likelihood of theft and safety record.

Keeping Costs Low

Public transportation provides you with an opportunity to keep car insurance costs low. Use your area bus, train or subway system as often as possible to take advantage of low annual mileage. It'll help lower both cost and your car's rate of depreciation. Consider also the increased price of gasoline and the savings become incomparable!

Set your deductibles as high as you can comfortably afford. Although this means higher out-of-pocket costs initially, higher deductibles also mean potentially lower insurance payouts, dropping the overall cost of your car insurance.

Insurers charge varying prices for the same level of coverage, so be sure to get multiple quotes before settling on the best car insurance policy.

Minimizing Risk of Theft

The risk of theft influences price to a large degree. The III estimates a motor vehicle is stolen in the United States every 25 seconds, with the greatest likelihood of theft occurring in urban areas.

Safety Habits

Common sense says that making your vehicle difficult to steal lowers your car insurance rates and minimizes hassle for you. Remove your keys when you leave your car, lock your car doors and close your windows, and park in well-lit areas.

Security Devices

Consumers spend hundreds of millions of dollars yearly on vehicle security devices. Some of these tools, such as tracking and safety apparatuses, enable law enforcement to locate and recover stolen vehicles. Others, like immobilizing or warning devices, keep thieves from being able to steal your car, or alert everyone around if they do.

Auto theft costs consumers about $30 billion a year. Use common sense and devices such as alarms, tire or wheel locks, ignition or fuel disablers, and navigation systems to ensure your car stays where it belongs: in your own driveway!

 

List of Articles
No. Subject Author Viewssort
85 Enjoying the Classics: How to Insure Your Old Relic youcomparequotes 34728
84 Drivers: 7 Important Facts about Texting That Could Save Your Life youcomparequotes 21385
83 How to Keep Teen Car Insurance Quotes at Bay youcomparequotes 19411
82 It's Official - Men Are Terrible Drivers youcomparequotes 18726
81 Car Insurance Companies & InsureMe Save You Money youcomparequotes 18426
80 Getting Insured with an Online Auto Insurance Quote youcomparequotes 18372
79 A Trip Gone Wrong: Summer Breakdown on the Road youcomparequotes 18320
78 Avoiding Aggressive Drivers youcomparequotes 18048
77 Car Insurance Comparisons Save You Time & Hassle youcomparequotes 18035
76 Auto Insurance: The Secret Weapon for Saving at the Pump youcomparequotes 18015
75 Finding & Comparing Auto Insurance Specialists youcomparequotes 17995
74 Credit Scores & Car Insurance youcomparequotes 17866
73 Cheap Car Insurance Protection You Deserve youcomparequotes 17860
72 How to Get Discount Auto Insurance youcomparequotes 17767
71 Choosing Cheap Online Car Insurance That Fits Your Life youcomparequotes 17756
70 Rental Car Insurance: Do You Really Need It? youcomparequotes 17692
69 Auto Insurance Gap Narrowed by Insurance youcomparequotes 17683
68 Auto Insurance from InsureMe youcomparequotes 17670
67 Selecting a Car Insurance Company youcomparequotes 17552
66 Insurance for Van Lovers youcomparequotes 17506
65 Play It Safe for Cheap Truck Insurance Rates youcomparequotes 17504
64 How Insuring a Used Car Can Save You Money youcomparequotes 17481
63 Car Insurance Quote Saves Money and Stretches Income youcomparequotes 17475
62 Why You Should Give Thanks -- And Stay Home This Year youcomparequotes 17472
61 Avoiding Deer Collisions While Driving youcomparequotes 17466
60 State Auto Insurance Becoming Available youcomparequotes 17414
59 SUVs: Minor Collision, Major Damage youcomparequotes 17409
58 Get the Best Car Insurance Rates Around youcomparequotes 17402
57 How to Buy Car Insurance youcomparequotes 17391
56 Cheaper Car Insurance in 8 Easy Steps youcomparequotes 17383
55 Good Driver Car Insurance Rewards Safe Driving youcomparequotes 17361
54 Getting Insured with Free Car Insurance Quotes youcomparequotes 17357
53 Online Car Insurance Quotes in 5 Easy Steps youcomparequotes 17354
52 Top 8 Safety Picks for Car Insurance Discounts youcomparequotes 17289
51 What's Behind Your Auto Insurance Quotes? youcomparequotes 17286
50 All-in-One Policies Insure Car & Home Together youcomparequotes 17280
49 Car Insurance Quotes Separate Fact from Fiction youcomparequotes 17259
48 Car Insurance & Roommates or Family Members youcomparequotes 17255
47 Auto Insurance Quotes youcomparequotes 17253
46 Auto Insurance Basics That Save youcomparequotes 17223
45 The Advantages of RV Insurance youcomparequotes 17221
44 Severe Weather Driving Tips youcomparequotes 17186
43 Auto Insurance & Generic Parts youcomparequotes 17185
» The Car Insurance Quote & Ratings Factors youcomparequotes 17176
41 Auto Insurance Cost & Your Ride youcomparequotes 17169
40 Home and Auto Insurance: Sure-Fire Protection in Unsure Times youcomparequotes 17167
39 Car Insurance That Fits Your Needs youcomparequotes 17166
38 How to Reduce Car Insurance Prices youcomparequotes 17163
37 Finding New Car Insurance Following Cancellation or Nonrenewal youcomparequotes 17161
36 Car Insurance Quotes Save You Money youcomparequotes 17121
35 Compare Auto Insurance Rates youcomparequotes 17114
34 Child Safety Belts Keep Kids Safe youcomparequotes 17105
33 Safety Tips & Car Insurance for Teens youcomparequotes 17102
32 Insurance for Cars: It's Your Choice youcomparequotes 17059
31 How What You Drive Affects Your Auto Insurance Quotes youcomparequotes 17032
30 How to File an Auto Insurance Claim youcomparequotes 16999
29 Auto Insurance Quote Heavily Dependent on Driver Behavior youcomparequotes 16999
28 Insuring Your Teen Driver youcomparequotes 16984
27 Getting the Cheapest Car Insurance in Your State youcomparequotes 16966
26 PIP and No-Fault Auto Insurance Reform youcomparequotes 16954
25 How No Fault Auto Insurance Works--or Doesn't youcomparequotes 16945
24 Not At Fault Car Insurance & Accidents youcomparequotes 16944
23 Safety Features Save Lives & Money youcomparequotes 16882
22 Save Hundreds on Your Car Insurance Without Switching to Geico youcomparequotes 16872
21 PIP and No-Fault Auto Insurance Reform youcomparequotes 16858
20 How to Get the Cheapest Car Insurance youcomparequotes 16853
19 Your Options in Motorcycle Insurance youcomparequotes 16848
18 Reducing SUV Insurance Rates youcomparequotes 16843
17 Cheap Auto Insurance through Safe Driving youcomparequotes 16818
16 Speeding and Car Insurance Rates youcomparequotes 16807
15 Buckles: Use Them for Safety, Not for Show youcomparequotes 16790
14 Buying and Insuring a New Car youcomparequotes 16788
13 Car Insurance: Your Questions Answered youcomparequotes 16758
12 Getting Car Insurance Quotes, from Beginning to End youcomparequotes 16713
11 Teen Auto Insurance youcomparequotes 16706
10 Auto Owners Insurance & Costly Driving Mistakes youcomparequotes 16673
9 Vehicle Insurance: Covering Any Kind of Car youcomparequotes 16673
8 How Cheap Car Insurance Can Save You Money youcomparequotes 16626
7 Safety Measures Lower Auto Insurance Quotes youcomparequotes 16620
6 Drowsy Drivers, Wake Up! youcomparequotes 16484
5 The SR22 & Car Insurance youcomparequotes 16477
4 Truck Insurance for Your Pride & Joy youcomparequotes 16461
3 Classic Car Insurance Protects Your Relic Ride youcomparequotes 16453
2 Factors That Affect Your Car Insurance Quotes youcomparequotes 16439
1 Curbing Auto Insurance Prices youcomparequotes 16423
XE Login