Driving Record
- Tickets, accidents, and violations can raise premiums while safe driving can lower your rates over time
Age, Gender, Marital Status
- Typically, drivers under 25, males, single people, and households with young drivers will have higher premiums. Rates may also increase for drivers over the age of 65. Premiums also consider all drivers in your household such as roommates
Type of Vehicle
- Newer or more expensive cars usually cost more to insure. Sports and high-performance cars have higher premiums. Large SUVs and trucks may also raise the liability coverage costs
Where You Live
- As a general rule, urban areas have higher accident and theft rates than in rural areas so premiums may increase in those parts of the state
Vehicle Use
- Premiums can vary based on the annual mileage and frequency of use of a vehicle
Prior Insurance Coverage
- If a vehicle had a lack of previous coverage or only minimum coverage, there may be an increase of premium
Previous Claims
- Past claims reported to databases such as the Comprehensive Loss Underwriting Exchange (CLUE) may affect your rates. You have a right to a free copy of your CLUE report annually
Ways to Get Discounts
Bundling Policies
- Insurance companies may offer discounts if you bundle your home or renters insurance with your auto policy
Multiple Vehicles
- You may earn a multi-vehicle discount if you insure multiple cars with the same insurance company instead of separate policies
Defensive Driving
- Completing a defensive driving course may qualify you for a discount
Driver's Education
- If you have a new driver, finishing a driver's education program can qualify for lower rates. In addition, young drivers may qualify for a "good student" discount if they have good grades
