Does your insurance rate decrease over time?

Will my rate ever decrease? I'm currently in the military and move a lot. My car insurance can fluctuate depending on where I'm living. I'm with USAA right now.

Answer provided by
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Emily Maracle
Answered on Jul 19, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“There are a variety of factors that go into car insurance rates. This can include:
  • your age
  • where you live
  • your driving record
  • type of coverage you require
Moving can cause your rate to fluctuate as every state has different insurance requirements. The types of claims drivers submit in different areas can also vary.
Since you’re in the military, USAA tends to have the best rates for military members.
If you continue to stay with USAA, you may begin to see your rate decrease due to loyalty to the company. If you remain accident free for a long period of time, you should also see your rate decrease.
You can also shop around using the free Jerry periodically to confirm you’re still receiving the best rate.”
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