Who pays less for car insurance, and what can I take away from their life circumstances and decisions to secure the cheapest rates for myself?

Answered by Car Insurance Expert Tessa on February 22, 2021

Who pays the least for car insurance? Is there anything I can do to be like them and also pay less?

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Car Insurance Expert

Car insurance is regulated by the states and highly specific to each individual, so just because you may have some things in common with another driver — such as owning the same car or living in the same city — this doesn’t mean you’ll have the same insurance rate as them.

Generally speaking, if you don’t drive much, you’ll get a better rate because you’re less likely to file a claim. While accidents are sometimes beyond your control, maintaining safe driving habits and avoiding risky behavior that can result in tickets or license suspensions can also help you secure cheaper rates.

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