What factors cause changes to your car insurance rates?

What can I do to decrease my car insurance rate? I pay $250 a month for insurance. I'm not sure why it's so high. What normally would increase a rate?

Answer provided by
Emily Maracle
Answered on Jul 08, 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.
Car insurance companies all look at different things when determining a rate for an insured. This can include:
  • age
  • where you live
  • your credit score
  • your prior insurance history
  • your driving record
Some things that can typically trigger a rate increase are:
  • tickets
  • violations
  • accidents
Depending on the carrier, your rate can increase or generally be higher when you have these on your record. It often takes three to five years for tickets and accidents to stop impacting your rate.
If you’re looking to lower your current rate, you should compare rates with different carriers. By shopping around and using a smart comparison tool like Jerry, you can ensure you’re getting the best rate for your particular situation.”

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