Auto Insurance Rate Factors

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Why are insurance costs higher in some ZIP codes?

“” Car insurance is one of the necessary evils of our society; no one really likes paying for it, but when you need to use it having car insurance can end up saving a small fortune in legal expenses, damage claims history, and medical treatment costs. However, rates can differ between two people even when they live only a couple...

“” Car insurance is one of the necessary evils...

Does a speeding warning affect your insurance?Post

Does a speeding warning affect your insurance?

Speed warnings should never affect your auto insurance because traffic warnings don’t usually go on your driving record. Any traffic citation that ends up on your driving record could affect your auto insurance rates, but getting a warning for speeding is just that – a warning, and not a citation or violation. But if you...

Speed warnings should never affect your auto insurance becau...

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How Insurers Calculate Your Car Insurance Rate

Each auto insurance company uses its own formula to calculate rates. However, even the best auto insurance companies consider your driving record, your age, and the type of car you drive to determine your rates. Other factors that affect auto insurance rates include where you live, how many miles you drive, your credit score, and...

Each auto insurance company uses its own formula to calculat...

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How does the insurance company determine my premium?

How does the car insurance company determine my premium? The answer isn’t as simple as it seems. Every insurance company uses different criteria to determine rates, and it’s important to learn how to compare auto insurance quotes so that you can lock in the best rates with a reputable company. To ascertain how to calculate...

How does the car insurance company determine my premium? The...

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How DUI and DWI Affect Your Insurance Rate

We know understanding auto insurance when you have a DUI or DWI can be complicated and frustrating. Don’t worry, because we’ve done the work for you. What is a DUI? What is a DWI? What is an OWI? What’s the difference between a DWI and DUI? What about impaired driving vs. a DUI? Read this...

We know understanding auto insurance when you have a DUI or ...

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Does a parking ticket affect your insurance?

If you have recently received a parking ticket, you may be wondering, Does a parking ticket affect your insurance? The truth is, there is always the potential for a parking ticket to impact your insurance rates, but if you only receive one ticket, your insurance company is a lot less likely to increase your monthly...

If you have recently received a parking ticket, you may be w...

Vehicle Depreciation And Its Effect On Insurance RatesPost

Vehicle Depreciation And Its Effect On Insurance Rates

As physical items and property age, they tend to either increase or decrease in value. Own a painting by a famous artist, or perhaps a collectible like a rookie baseball card or a rare coin? It’s probably going to go up in value as time passes, which is almost never the case when it comes...

As physical items and property age, they tend to either incr...

How Long Does A DUI Affect Your Auto Insurance Rates?Post

How Long Does A DUI Affect Your Auto Insurance Rates?

A DUI is a charge for ‘Driving Under the Influence’. This essentially means that you have been caught driving over the legal limit after drinking alcohol. Undoubtedly, this offense can lead to a number of financial and legal consequences. As well as facing fines and a potential driving ban, you can also expect your auto insurance...

A DUI is a charge for ‘Driving Under the Influence’. Thi...

Is Auto Insurance Higher For A Leased Car?Post

Is Auto Insurance Higher For A Leased Car?

If you are thinking about leasing a car, you are part of a growing group of Americans. Leasing is more popular than ever, but you might be wondering “Is lease insurance more expensive?” The answer is — maybe. When leasing a car, insurance cost can rise, but affordable auto insurance for a leased car depends...

If you are thinking about leasing a car, you are part of a g...

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How COVID-19 Could Lower Auto Insurance Rates (2022)

Overview Traffic is much lighter due to the fallout from the coronavirus See which car insurance companies are issuing refunds because of this trend with COVID-19 Most insurers are pausing late fees and non-pay cutoffs Some companies are extending personal car insurance coverage for delivery drivers This is a scary time, as the novel coronavirus...

Overview Traffic is much lighter due to the fallout from the...

Why Did My Auto Insurance Go Up for No Reason?Post

Why Did My Auto Insurance Go Up for No Reason?

You haven’t been in an accident. You didn’t get a speeding ticket. You haven’t made any type of insurance claim. So, why did my insurance go up? The car insurance premium can fluctuate wildly based on several different factors. Getting married can affect your car insurance premium, for example. Even moving down the street can...

You haven’t been in an accident. You didn’t get a speedi...

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Does making an illegal turn impact your auto insurance? [Updated Rates]

Certain violations affect auto insurance more than others. Some – like a DUI – will double auto insurance rates overnight. Others – like a parking ticket – won’t affect auto insurance at all. But does making an illegal turn impact your auto insurance? Today, we’re explaining everything you need to know about how making an...

Certain violations affect auto insurance more than others. S...

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Do Tinted Windows Affect Auto Insurance Rates? [Updated Advice]

In some states, drivers are allowed to tint their windows. But do tinted windows affect auto insurance rates? It’s certainly possible for tinted windows to raise insurance rates, but it won’t happen in most cases. Today, we’re explaining everything you need to know about how tinted windows affect auto insurance rates. If you’re worried about...

In some states, drivers are allowed to tint their windows. B...

Can Anti-Lock Brakes Lower Insurance Rates?Post

Can Anti-Lock Brakes Lower Insurance Rates?

Anti-lock brakes have been a required standard feature on all new cars since 2000. But do insurance companies give you a discount for having an anti-lock braking system (ABS)? Do anti-lock brakes really lower insurance rates? Keep reading to find out everything you need to know about anti-lock brakes and car insurance discounts. Some Car...

Anti-lock brakes have been a required standard feature on al...

Can Airbags Lower Your Auto Insurance Rates?Post

Can Airbags Lower Your Auto Insurance Rates?

Certain safety features can lower insurance premiums. But does having airbags really lead to lower insurance premiums? Do car insurance companies reward you for having airbags? Today, we’re explaining everything you need to know about the connection between insurance premiums and airbags. Yes, Airbags Can Lead to Lower Insurance Premiums Inflatable airbags for drivers and...

Certain safety features can lower insurance premiums. But do...

Does Crime Rate Affect Auto Insurance Rates?Post

Does Crime Rate Affect Auto Insurance Rates?

Many people are surprised to discover that crime rate can significantly impact auto insurance premiums. It’s true: your ZIP code’s crime rate can raise or lower auto insurance premiums. Depending on your ZIP code, this difference can be significant. Today, we’re explaining everything you need to know about how crime rate can impact auto insurance...

Many people are surprised to discover that crime rate can si...

Does auto insurance go down at 21?Post

Does auto insurance go down at 21?

Drivers in their teens and early 20s pay some of the highest rates in America for car insurance. As you get older, however, can you expect car insurance to decrease in price? Or will you have to wait until you’re 25 or 30 before car insurance premiums go down? Today, we’re explaining everything you need...

Drivers in their teens and early 20s pay some of the highest...

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Is auto insurance cheaper with a dashcam?

Is auto insurance cheaper with a dashcam? Dashcams make life easier for car insurance companies. They simplify the claim’s investigation process. For that reason, many dashcam owners believe they should receive a discount on their car insurance premiums. Is car insurance cheaper with a dashcam? Will you receive a discount for driving with a dashcam?...

Is auto insurance cheaper with a dashcam? Dashcams make life...

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Do out-of-state speeding tickets affect your auto insurance rates?

Do out-of-state speeding tickets affect auto insurance rates? One of the biggest concerns when you get a speeding ticket, is how it will affect your auto insurance rates. Depending on your state and insurance company, one speeding ticket can raise your insurance rates by quite a sum. But what about if you’re on a road...

Do out-of-state speeding tickets affect auto insurance rates...

How Does Divorce Affect Auto Insurance?Post

How Does Divorce Affect Auto Insurance?

Getting divorced can have a significant impact on several aspects of your life – including everything from finances to insurance. How does getting divorced impact car insurance prices? Should you update your car insurance policy after a divorce? Can a divorce help you save money on car insurance? Today, we’re explaining everything you need to...

Getting divorced can have a significant impact on several as...

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