{"id":26887,"date":"2021-08-24T15:37:43","date_gmt":"2021-08-24T19:37:43","guid":{"rendered":"https:\/\/blog.eztaxreturn.com\/?p=26887"},"modified":"2023-06-05T13:21:49","modified_gmt":"2023-06-05T18:21:49","slug":"factors-that-affect-car-insurance-rates","status":"publish","type":"post","link":"https:\/\/staging.eztaxreturn.com\/blog\/factors-that-affect-car-insurance-rates\/","title":{"rendered":"Factors That Affect Car Insurance Rates"},"content":{"rendered":"\r\n

The average cost of car insurance is $1,592 per year, according to NerdWallet<\/a>.\u00a0 But there are several things that can affect the rate you pay.\u00a0 Every insurance company has their own formula for calculating a driver\u2019s risk<\/a>.\u00a0 The riskier you appear to insurers, the more you\u2019ll pay for coverage.\u00a0 Here are some factors that affect your car insurance rates.<\/p>\r\n

 <\/p>\r\n\r\n\r\n\r\n

The type of coverage <\/strong><\/h2>\r\n\r\n\r\n\r\n

Most states require you to at least have liability coverage<\/a> which will help you pay for damages to someone else\u2019s car.\u00a0 The minimum insurance requirements vary from state to state, but typically include bodily injury coverage per person, bodily injury coverage per accident and property damage coverage per accident.\u00a0 While it\u2019s enough coverage to get you driving legally, it may not be enough to protect you if you\u2019re in a bad accident and at fault.\u00a0 Getting more coverage will cost more money.\u00a0 Liability insurance only covers bodily injury and property costs you may incur if you’re at fault. Collision and comprehensive coverage for your own vehicle, property and bodily injury usually costs twice as much the minimum required insurance.<\/p>\r\n

 <\/p>\r\n\r\n\r\n\r\n

Your age<\/strong><\/h2>\r\n\r\n\r\n\r\n

Teens tend to drive more recklessly and get into more accidents than any other age group.\u00a0 Therefore, they pay the most expensive premiums.\u00a0 The good news is your insurance rates usually go down once you turn 25.\u00a0 In case you’re wondering which drivers pay the least, it’s drivers in their mid-50s.<\/p>\r\n

 <\/p>\r\n\r\n\r\n\r\n

Car make and model<\/strong><\/h2>\r\n\r\n\r\n\r\n

Certain cars are more expensive to insure than others.\u00a0 High end cars cost more to insure because the parts are expensive to repair.\u00a0 It also costs more to replace if you total your vehicle.\u00a0 Sports cars have increased premiums because their owners tend to drive faster and are at higher risk of causing an accident. You may also want to stay away from vehicles commonly targeted by thieves.\u00a0 For example, the Honda Civic<\/a>, Honda Accord<\/a>, and Ford pickup are some of the most stolen vehicles in America.<\/p>\r\n

 <\/p>\r\n\r\n\r\n\r\n

Driving record<\/strong><\/h2>\r\n\r\n\r\n\r\n

Having a speeding ticket, DUI<\/a> or other traffic violations on your driving record can impact your insurance.\u00a0 Plus, your behavior can result in an accident or someone getting hurt.\u00a0 According to insurance.com<\/a>, here\u2019s how much certain traffic violations can cost you:<\/p>\r\n\r\n\r\n\r\n

\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n
Violation<\/th>\r\nPercent increase<\/th>\r\nDollar increase<\/th>\r\n<\/tr>\r\n<\/thead>\r\n
DUI\/DWI first offense<\/td>\r\n79%<\/td>\r\n$1,131<\/td>\r\n<\/tr>\r\n
Reckless driving<\/td>\r\n73%<\/td>\r\n$1,046<\/td>\r\n<\/tr>\r\n
Speeding 30+ over limit<\/td>\r\n30%<\/td>\r\n$427<\/td>\r\n<\/tr>\r\n
Texting while driving<\/td>\r\n23%<\/td>\r\n$344<\/td>\r\n<\/tr>\r\n
Distracted driving<\/td>\r\n22%<\/td>\r\n$320<\/td>\r\n<\/tr>\r\n
Speeding ticket 16-29 MPH over limit<\/td>\r\n22%<\/td>\r\n$317<\/td>\r\n<\/tr>\r\n
Improper\/illegal pass<\/td>\r\n20%<\/td>\r\n$293<\/td>\r\n<\/tr>\r\n
Speeding ticket 1-15 MPH over limit<\/td>\r\n20%<\/td>\r\n$288<\/td>\r\n<\/tr>\r\n
Failure to stop<\/td>\r\n19%<\/td>\r\n$272<\/td>\r\n<\/tr>\r\n
Talking on cellphone while driving<\/td>\r\n16%<\/td>\r\n$224<\/td>\r\n<\/tr>\r\n
Driving without a license or permit<\/td>\r\n12%<\/td>\r\n$178<\/td>\r\n<\/tr>\r\n
Seatbelt infraction<\/td>\r\n3%<\/td>\r\n$47<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n\r\n\r\n\r\n

\u00a0<\/h2>\r\n

Marital status<\/strong><\/h2>\r\n\r\n\r\n\r\n

Your marital status<\/a> is more important than you think.\u00a0 Research shows that married drivers file less claims than all other drivers.\u00a0 As a result, they pay less for coverage.<\/p>\r\n

 <\/p>\r\n\r\n\r\n\r\n

Your zip code<\/strong><\/h2>\r\n\r\n\r\n\r\n

People in urban areas tend to pay higher premiums than those that live somewhere rural.\u00a0 If you live in a zip code that has a high rate of accidents, vandalism, and theft claims, typically you\u2019ll pay more for coverage.\u00a0 Car insurance is also more costly if your area is prone to tornadoes, flooding, and wildfires.<\/p>\r\n

 <\/p>\r\n\r\n\r\n\r\n

Credit score<\/strong><\/h2>\r\n\r\n\r\n\r\n

Most states except California, Hawaii, Massachusetts and Michigan consider your credit score when coming up with your insurance rate.\u00a0 People with poor credit are a bigger risk because they tend to file more claims than those with good credit.\u00a0 As a result, they usually pay over $1,500 more annually for insurance.\u00a0<\/p>\r\n

 <\/p>\r\n

 <\/p>\r\n

File your taxes fast and ez in 30 minutes or less.<\/h2>\r\n","protected":false},"excerpt":{"rendered":"

The average cost of car insurance is $1,592 per year, according to NerdWallet.\u00a0 But there are several things that can affect the rate you pay.\u00a0 Every insurance company has their own formula for calculating a driver\u2019s risk.\u00a0 The riskier you appear to insurers, the more you\u2019ll pay for coverage.\u00a0 Here are some factors that affect […]<\/p>\n","protected":false},"author":3,"featured_media":26899,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[9],"tags":[],"class_list":["post-26887","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance"],"yoast_head":"\nFactors That Affect Car Insurance Rates<\/title>\n<meta name=\"description\" content=\"There are several things that can affect your car insurance rates. 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