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UPDATED: Mar 13, 2020
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Car insurance protects you and the car in case of an accident. State laws require car owners and operators to comply with the financial liability laws.
Driving without car insurance is illegal in almost every US state. Maintaining a clean driving record can earn you superb savings on your car insurance. It keeps your insurance premiums low and earns you a safe driver discount.
When looking for auto insurance, you should be aware that auto insurance companies adhere to different enticement policies to attract and maintain long-term customers. Some companies even offer discounts for every year a policyholder goes without causing an accident.
Many companies award auto insurance discounts for every three years of safe driving. Your best bet is to compare quotes from several insurers before you settle on the most appropriate coverage at affordable costs. Enter your zip code above to get started.
Establishing Auto Insurance Price per Policy
The average annual car insurance premium is $750, although many factors affect car insurance pricing based on the likelihood of an accident occurring at any time. Car Insurance premiums will depend on the following factors:
A clean driving record can significantly lower your insurance premiums.
If you’ve had serious traffic violations or auto accidents in the past, you’re likely to pay more in premiums than if you had a clean driving history.
New drivers may also pay more, especially if they’ve not been insured for a number of years. In fact, some insurers reward drivers who have kept a clean driving record for at least five consecutive years with safe driver discounts that significantly reduce their premiums.
More driven miles often come with accidents in between drives. Frequent and distance drivers may pay higher premiums while occasional or low mileage safe drivers pay lower insurance premiums.
Insurers charge premiums based on the risk levels. The more time you spend behind the wheels, the higher your chance of getting involved in an accident. To safeguard their bottom line, insurers will slap you with higher premiums.
Car parking and Residential Address
Daily habitual parking and where you live affect the cost of insurance. Risk factors such as theft, vandalism, and accidents associated with urban drivers mostly attract a higher premium than folks in small towns.
Other factors vary from state to state such as the following:
- medical care
- repair costs
- insurance fraud
Mature drivers cause fewer accidents than younger inexperienced drivers, especially teenagers. So, insurance providers charge less for older safe drivers than the average young people aged 25 and below.
Additionally, older drivers aged 65 years and above will pay higher premiums since they may have slower reaction times, poor visibility, and wrong judgment. They are therefore considered more likely to cause accidents.
Drivers can save $859/yr* by comparing car insurance
*based on a survey of 1,000 car insurance customers
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Studies indicate that women tend to be more cautious drivers than their male counterparts. They cause fewer accidents and are less likely to DUI than their male counterparts.
So, women pay a lesser amount for car insurance than men.
Over time, personal driving history settles at a safer zone, attracting discounts and other auto perks from insurance providers.
Some cars incur costly insurance coverage than others, depending on the vehicle model and year of manufacture. The insurance variables may include cars that are attractive to thieves, cost of repair, car safety records, engine size, and car value.
Some vehicle owners install high-quality protection equipment to automatically qualifying themselves for premium discounts. Insurers look at car safety precautions, protection of the occupants, and the potential impact if the vehicle is involved in an accident.
Your Credit Score
Insurers may also use credit-based scoring as an important and statistical valid tool to predict future insurance claims. Information used to determine a good credit history includes payment history, collections, bankruptcies, length of credit history, and outstanding debts.
A good credit score reflects on timely and regular credit card payments as well as and mortgage payments.
Types of Insurance Coverage
The federal government requires all drivers to purchase the minimum liability insurance for motor vehicles. Buying comprehensive/collision coverage for better protection is important. The coverage caters for car damages in the event of an accident.
The auto cover is subject to deductibles. Higher deductibles lower your insurance premium. Financed or leased vehicles require mandatory insurance coverage by contract.
Guidelines for Saving on Your Car Insurance
Auto insurance is a necessity if you own a car, and you’ll be glad you made the decision to purchase one when you get involved in an accident. But it doesn’t make sense to spend an extra penny more than you should on a policy.
By understanding what affects the price of an auto insurance policy, you can figure out how best to bring the premiums down.
Auto Insurance varies from state to state and there are several ways for saving on an auto insurance policy and earning discounts on your car insurance:
Compare at least three different quotes for your car insurance and ensure that you have the same coverage levels. Shopping for a good policy saves you a lot of cash and empowers you with more information about claims, discounts, and exclusions across different insurers.
Limit Your Coverage on Older Cars
Older vehicles save you tons of cash by purchasing the standard liability basic-auto-insurance-policy and forgoing the comprehensive/collision insurance.
You may drop the optional coverage for vehicles if your car is valued less than ten times the insurance cost.
Insurers need auto business, but they also limit the claims to stay afloat. Insurers, therefore, encourage safe driving to attract and retain good drivers by offering several discounts.
Ask your insurer about available discounts for loyal customers, Anti-theft gadgets, taking defensive driving lessons, and a strong credit history. Some providers also offer discounts for the following:
- driving fewer miles
- if you don’t drive to work
- keeping a clean driving record with no tickets or accidents for the last three years
- purchasing multi-policies
Discounts for Safe Drivers
Safe driver discounts aren’t only offered to customers safe driving customers. Insurance companies also award motorists that allow their vehicles to monitor driving habits or for taking driving lessons.
Usage discounts, also known as “pay-as-you-drive” programs, are similar to good driving discounts are driver monitored to prove safe driving motor usage.
Drivers are provided with a telematic gadget to fit in their car. It records driving conduct such as speed drive, handling brakes, and driving duration and timing.
The devices determine the number of premiums to be paid out, including a discount derived from the speed/safe driving device installed in your car.
Defensive Driving and Driver Training Discounts
Young drivers who complete a driver’s education or defensive driver training for older drivers are eligible for discounted premiums from car insurance providers.
Safe drivers save money because they rarely cause accidents or file claims. Insurers often reward these customers with discounted premiums on every auto renewal.
Increase your Deductible
You can save some extra bucks on your premiums by raising the amount of deductible – what the insurer doesn’t pay for when covering repairs.
For instance, if the cost of repairing your car after an accident is $200 and your deductible is $50, your insurer will only pay $150. To pass down the savings to the policyholder, insurers work down the amount of premium you’ll pay every month.
This deductible option only comes with collision and comprehensive coverage.
Compare car insurance quotes today by entering your zip code below. It’s free and you could save hundreds of dollars a year.