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Car Insurance Rates for All Life Events

life events and auto insuranceEver wonder why it’s so hard to get an accurate auto insurance quote? Well, part of the reason is that these insurance policies have to be flexible enough to cater to every possible life stage. If you’ve experienced major changes in your life – such as a marriage, a divorce, a pregnancy, or some unexpected financial hardship – you need to contact your insurance company immediately. If you don’t, you could be missing out on some serious savings and discounts!

Age and Car Insurance Rates

Every person goes through changes as they get older. And many of those life changes will change how much you pay for your automotive insurance premiums.

For example: teens, statistically speaking, are more likely to be involved in a serious automotive accident than any other type of driver. However, teenagers who are responsible students and get good grades are much less likely to get into accidents or file claims, which lowers their rates.

On the opposite extreme, senior citizens get drastically lower rates than young drivers or even older adults. Their many years of driving experience usually makes them much less risky to insure. Regardless of age, though, you can always learn how to be a better driver with Defensive Driving or other classes.

Auto Insurance by Life Stage (Age) Legend: 18 Year Old Driver 31 Year Old Driver 64 Year Old Driver California Florida Illinois New York Texas 50 100 150 200 250 300 350 400 450 $181 $64 $57 $275 $126 $72 $88 $34 $28 $482 $93 $79 $310 $105 $85

Purchasing a new vehicle at any stage of your life – whether you get an older, reliable used car as a young driver or treat yourself to an expensive, new, luxury vehicle as an older adult – will also drastically change your policy. So be sure to let your insurance agent know about this or any other major change in your life.

Car Insurance by Make, Model, and Vehicle Age Legend: Affordable Used Sedan New Luxury Vehicle California Florida Illinois New York Texas 20 40 60 80 100 120 140 160 180 200 $46 $159 $83 $185 $25 $81 $64 $214 $86 $177

Marriage, Divorce, and Everything In Between: Insuring Couples

Getting married can produce huge discounts for both partners involved in the marriage. Not only will you be eligible for a small discount as a newlywed driver, but if you and your spouse bundle your policies into one single policy with one company, they will reward you with even more savings.

Even a domestic partnership can help save you money on car insurance. You don’t have to be married to someone to list both of your vehicles under the same policy. And bringing your insurance company more business will prompt them to reward you with lower premiums than what you would be paying by insuring both vehicles separately.

If you’re thinking about buying a home or another vehicle which will require insurance coverage (such as a motorcycle or RV), check with your insurance company to see if they offer policies for those properties, too. Insuring all of your property with separate policies from separate companies can be expensive; but if your insurance provider can cover all of them at once, you can really earn some savings!

Owning a Home vs. Renting Legend: Homeowner Renter California Texas Florida Illinois New York 20 40 60 80 100 120 140 160 180 200 220 $49 $145 $161 $184 $158 $169 $68 $85 $205 $234

Insurance in Times of Transition

If you plan on moving, you need to let your insurance company know. It doesn’t matter whether you’re moving to another state, or just down the street; if your zip code changes, your policy will need to change, too.

Even if your relocation is temporary – such as that of a college student spending their fall and spring semesters in a different city or state – you should talk to your insurance agent about it. They can help you navigate the complex nature of paying for an insurance policy when not all 12 months of your year are spent in the same zip code.

Unfortunately, major life events such as divorce will alter your insurance rates, too. Although sorting out your vehicle insurance needs in the midst of a divorce seems like a negligible task, you will need to talk to your insurance agent about it (and the sooner you do so, the better). This process can get even more complicated if you and your spouse have children who are old enough to drive and they are on your family policy. Sorting out who pays for what can get complicated and expensive if you don’t take care of things quickly. Your insurance agent should be able to help you with tips for arranging the best deal.

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