Cheap Car Insurance Rates
Everyone wants the cheapest auto insurance rates. Cheap car insurance rates can vary based on a lot of factors: age, marital status, even your credit score can influence your auto insurance coverage costs. Understanding all the factors will help you find cheap car insurance near you. You can read on to learn how to get the cheapest car insurance rates near you and search using our free tool.
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Licensed Insurance Agent
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...
Licensed Insurance Agent
UPDATED: Dec 8, 2022
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Finding cheap car insurance rates doesn’t have to be a challenge. All you have to do is understand your auto insurance coverage options and then compare car insurance quotes.
The best car insurance for you will be the one that provides all your coverage needs — liability, collision, comprehensive, and anything else you need — while offering the cheapest auto insurance rates. You can get cheap auto insurance quotes with our FREE search tool right now.
Car Insurance Rates for All Life Events
Ever 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.
You probably know that insurance can change after an auto accident or a claim. It can be really difficult to find auto insurance for drivers with a bad driving record, but there are other life factors that can be just as influential.
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)
18 Year Old Driver
31 Year Old Driver
64 Year Old Driver
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
Affordable Used Sedan
New Luxury Vehicle
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.
- Domestic Partners
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
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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