Auto Insurance Rate Factors

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Does Running a Red Light Increase your Auto Insurance Rates?

So you were in a hurry and ran a red light. You got caught – either by a police officer or a red light camera. Does a red light affect insurance rates? If you are wondering if a red light running violation will affect your driving record, we are here to help. Today, we’re explaining...

So you were in a hurry and ran a red light. You got caught &...

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What Impact Does a Parking Ticket Have? Does It Affect Your Car Insurance?

Getting a parking ticket can be annoying. But do parking tickets go on your record or affect your auto insurance premiums? Will you pay more for car insurance because you have an unpaid parking ticket? Today, we’re answering all your questions about how parking tickets affect car insurance. Do parking tickets go on your record?...

Getting a parking ticket can be annoying. But do parking tic...

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How Vehicle Make and Model Affects Your Insurance Rates

A number of factors go into the cost of car insurance – including everything from your ZIP code to your driving history. However, your vehicle’s make and model can also have a significant impact on your premiums. Today, we’re explaining everything you need to know about how vehicle make and model affects your car insurance...

A number of factors go into the cost of car insurance – in...

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Do I Get Cheaper Insurance If I Park My Car In My Garage Instead Of On The Street?

There are plenty of car insurance discounts available today. However, many drivers are unaware of these discounts. Garage parking is one such discount: will you pay lower insurance rates when you park your car in a garage? Do people who park on the street pay higher rates for car insurance? Today, we’re answering all your...

There are plenty of car insurance discounts available today....

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How Important is Driving Experience for Insurance Rates?

So you’re applying for vehicle insurance – but you don’t have a lot of experience. Or maybe you’re an experienced driver with 40+ years of accident-free driving history and you’re looking for a discount. How important is driving experience when it comes to calculating insurance rates? How much of an effect does experience have on...

So you’re applying for vehicle insurance – but you don...

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What type of used car has the cheapest auto insurance rates?

What type of used car has the cheapest auto insurance rate? If you’re wondering about the cheapest used cars to insure, it all comes down to make and model, which will affect the price of your monthly auto insurance rates. When it comes to your car insurance rate, there are a lot of factors that...

What type of used car has the cheapest auto insurance rate? ...

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Does Auto Insurance Go Down At Age 25?

A young drivers or teenage driver typically pays more for car insurance policy than older drivers do. A car insurance company views younger drivers as a higher risk, and they have the stats to back up this assertion. Young drivers are involved in more accidents, drive faster, and are more reckless behind the wheel. Because...

A young drivers or teenage driver typically pays more for ca...

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The High Costs of Car Insurance DUI Rates

If you’re trying to save money on car insurance, a DUI conviction is the absolute worst thing that could possibly happen to you. One conviction can double, or even triple your existing rates, and leave you in the dog house for years to come. In worst case scenarios, your insurance provider may even cancel your...

If you’re trying to save money on car insurance, a DUI con...

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why is auto insurance more expensive than value of my car?

The following is an exported forum post from our discontinued forum. If you would like to reply to this old forum post, please post a comment below. My car is only worth $500, but i pay more than $1000 to insure it LOL why is the insurance for the car so much higher than the...

The following is an exported forum post from our discontinue...

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How Age Affects Auto Insurance Rates

Auto insurers analyze risk. One of the primary risk factors, by far, is age. How does age affect auto insurance rates? In this piece, we’ll discuss which demographics pay more for auto insurance, which demographics pay the least, and everything in between. It’s important to note that teens should not expect low rates. As we...

Auto insurers analyze risk. One of the primary risk factors,...

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Do gay men pay more for auto insurance?

According to a number of studies, gay males and females score poorly when it comes to driving safety. The brains of these two groups seem to be wired similarly in some aspects as both groups score poorly on navigation tests and other tasks that require spatial awareness (see below). Despite these findings, when determining rates, insurance...

According to a number of studies, gay males and females scor...

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How Biking Instead Of Driving Can Help You Save On Auto Insurance

As America grows more and more environmentally conscious, an increasing number of people in the country have decided to hit the road in their bicycles instead of their automobiles. There are a number of reasons why people choose to leave their car keys at home and strap on their bicycle helmets. The leading factors which...

As America grows more and more environmentally conscious, an...

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How Does Your Income Affect Your Insurance Rates?

The formula for determining your auto insurance rates is a long and complex one that even rocket-scientists would have a hard time cracking. As more studies are done and more data is analyzed, however, a strong correlation between your income and the amount you pay for insurance is starting to be discovered. There are lots...

The formula for determining your auto insurance rates is a l...

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Vehicle History and Auto Insurance Rates

One of the major things auto insurance companies look at when determining your insurance premiums is your vehicle’s history, most notably: Has it been in any accidents? How many? How many times has it been in for repairs? Insurance companies will look at a vehicle history report (looking up each vehicle using its VIN number)...

One of the major things auto insurance companies look at whe...

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Is Auto Insurance More Expensive For Black People?

To call making racial generalizations a taboo topic in the United States is an understatement. Auto insurance companies, however, do discriminate. As many of you know, insurance companies classify their customers into many different groupings to determine who is and isn’t a high risk driver. This is all based on statistics – and statistically speaking,...

To call making racial generalizations a taboo topic in the U...

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Is your long commute increasing your auto insurance rates?

Imagine moving with your family to your dream house in the suburbs. Gone is the hustle and bustle of city life! You’re now in the midst of what most people will call “peace”, where you actually know the names of your neighbors, where the pace of life seems to slow from a mad spring to...

Imagine moving with your family to your dream house in the s...

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Your Credit Score and Auto Insurance Quotes

This might come as a bit of a surprise to you, but it is a fact that many auto insurance companies are starting to do credit checks before awarding auto insurance quotes. If your credit score is bad, there is a good chance that you might see very high premiums on your auto insurance. In...

This might come as a bit of a surprise to you, but it is a f...

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Budget Auto Insurance

Budgeting auto insurance is one of the essential skills needed to lower your cost of living. If you’re on a strict budget, taking advantage of your auto insurance options and selecting what you need can help budget auto insurance. Once you’re in a position of understanding auto insurance, you can save hundreds per year. But...

Budgeting auto insurance is one of the essential skills need...

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Three Signs You Are Paying Too Much For Auto Insurance

Watching for the top three signs that you are paying too much for auto insurance can make it easy to add some padding to your budget. Let’s face it. We have all asked ourselves, “Am I paying too much for car insurance?” and “Why is my insurance so high?” When you are trying to answer...

Watching for the top three signs that you are paying too muc...

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How Your Driving Record Impacts Your Auto Insurance Rates

How does my driving record affect my auto insurance rates? Can insurers check my driving record? Where can I get auto coverage for a poor driving record? These are some of the questions that might be running through your mind. Many factors go into determining your auto insurance premiums, but what it all comes down to is one’s...

How does my driving record affect my auto insurance rates? ...

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