How Insurers Calculate Your Car Insurance Rate

There are many factors that affect auto insurance rates, such as your driving record, coverage type, age, and the type of vehicle you drive. While some factors like age can’t be changed, clean up your driving record, lower your coverage, and carefully consider your vehicle to find cheaper car insurance. Drivers can also take advantage of discounts and raise deductibles for the most savings.

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UPDATED: Jun 6, 2022

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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