Articles for Auto Insurance Ratings and Factors


Elderly Drivers and Car Insurance

What most people don’t realize is that those over the age of 75 are among the highest group involved in daytime auto accidents. The American Automobile Association (AAA) and the American Association of Retired Persons (AARP) are the authorities when it comes to elderly drivers in the United States. ...

Car insurance after a DUI/DWI

Driving under the influence (of alcohol or narcotic substance) or Driving While Intoxicated is a serious offense. Because of the toughened laws against drunken driving due to the danger this poses – of you killing yourself or others or damaging property, you can expect that a DUI arrest will result ...

The Determinants To Car Insurance Rates

There are many factors that determine the cost of car insurance premiums. Some of these factors may even come as a surprise to some. It really pays to read and research about these things first in order to understand where you money is going. From what I gather in my own reading, the following are usually ...

Insurance for High-Risk Drivers

Who are considered to be high-risk drivers? Insurance companies use several factors in classifying whether a certain driver falls under the high-risk category. Here are some of the factors that make an individual or driver a high-risk driver. The most common factor that insurance companies look into ...

Adding a teenage driver to your insurance

It is a known fact that every 16-year-old teenager dreams of driving his or her own car. While kids dream of this, parents dread the coming of this day. It is no secret that having teenage drivers around mean bigger or more expensive car insurance premium. Whether parents like or not, they are required ...

Generic Auto Parts: Your Pros and Cons

Generic automotive parts are ‘sheet metal components such as hoods, fenders, and doors, which account for the majority of damage to cars during accidents.* These are often referred to as crash parts or cosmetic parts.  Hundreds of car accidents occur each year, and car manufacturers, along with auto ...

Why men pay more for car insurance than women

Everyday, we are faced with numerous risks no matter how careful any individual may be. It doesn’t matter who you are, where you came from, or what your lifestyle is. In a perfect world it doesn’t matter who you are, the minute you get up, you have the same chance as every single human being in ...

Auto Insurance Rates: City-Dwellers vs. Country-Dwellers

More often than not, people tend to look at what differentiates them from each other. Our race, our belief systems, cultures, traditions, economic backgrounds – and unconsciously, we secretly enumerate the advantages we have over our peers, and lament their advantages over us. Of late, the areas humans ...

Speeding Tickets, Car Accidents and Your Insurance Rates

There are many determinants to car insurance rates, but none more important than your driving record. Many people don’t think twice about the effect that speeding tickets have on their insurance costs, until they are faced with the actual quotes. Studies show that 35% of auto accidents are caused by ...

Auto Insurance Ratings Factors

Car insurance rates may differ considerably from one company to another. Many factors affect the premium you will pay for auto insurance. Your insurance agent may find it difficult to explain rate increases and that is because most insurance companies have formulated their own mathematical algorithm ...

Does my credit rating determine my insurance quotes?

It’s common knowledge that your credit score determines your ability to land a job, acquire a credit card with a decent annual percentage rate, finance a new home or car, or even successfully get a loan from a bank. But only recently is it coming to light that it also determines how high or low your ...

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