Credit does have a significant impact on your auto insurance rates. In fact, drivers with poor credit pay 114% ($1,54) more for car insurance than drivers who have exceptional credit. Only a handful of states, including California, Hawaii, and Massachusetts, don’t allow insurers to consider credit when pricing auto insurance. Source: https://www.thezebra.com/state-of-insurance/auto/2020/#introduction

Car Insurance Companies closely relate a driver’s age to their level of experience. Young, inexperienced drivers are more likely to get in an accident than older drivers, so young drivers pay higher rates. Source: https://www.thezebra.com/state-of-insurance/auto/2020/#introduction

The majority of drivers have personal-use policies, meaning they use their car for a mix of commuting, running errands, and other personal tasks. However, some drivers need a different type of coverage. People who drive for business – such as real estate agents or traveling salespeople – need a policy that covers them when using their vehicle for work.   … Read More

Pay per Mile or Telematics can be a great way to save money. But they are best for people who drive infrequently and who typically take smooth, safe routes. Source: https://www.thezebra.com/state-of-insurance/auto/2020/#introduction

Annual mileage has little impact on car insurance rates – unless you live in California. Annual mileage has little impact on car insurance rates. Nationally, drivers can save about 6% if they reduce their driving from 15,000 to less than 7,500 miles per year. Californians, however, would save 32%, or more than $550, for reducing their mileage.   Source: https://www.thezebra.com/state-of-insurance/auto/2020/#introduction

How much does distracted driving affect your rate? Getting caught texting or otherwise using your phone while driving will raise your insurance rate by an average of 23% ($365) and in some states more than 3%. The penalty for distracted driving has increased notably in recent years as insurers learn more about the costs and more states create laws prohibiting … Read More

The faster you’re caught speeding, the bigger the impact on your insurance rates. Insurers also significantly penalize drivers caught speeding in school zones. Did you know you can get a ticket (28-704) for driving too slow? Source: https://www.thezebra.com/state-of-insurance/auto/2020/#introduction

The Cost of a Claim You have insurance to cover costs after an unexpected loss, but sometimes filing a claim- however valid – will increase your insurance rate.   Source: https://www.thezebra.com/state-of-insurance/auto/2020/#introduction

Your driving record significantly impacts what you pay for car insurance. Some violations and claims are much more costly than others. Insurers in Arizona can factor these violations into your car insurance rates for three ye Source: https://www.thezebra.com/state-of-insurance/auto/2020/#introduction

Your driving record significantly impacts what you pay for car insurance. Some violations and claims are much more costly than others. Insurers in Arizona can factor these violations into your car insurance rates for three years or longer. Source: https://www.thezebra.com/state-of-insurance/auto/2020/#introduction