Who gets the best car insurance rates?

I hear people talk about low insurance rates all the time, and compared to theirs, mine seems insanely high. How do people get low rates?

“Car insurance rates can seem unfair or random, but there are certain types of drivers who typically get the best rates.
Drivers that get the best car insurance rates often have clean driving records and good credit history. As insurance is risk-based, companies offer better rates to those who are more stable and secure.
A clean driving record indicates you are a safe driver and less likely to submit claims as a policyholder. Having good credit can also show insurance companies that you’re reliable and financially stable.
Beyond this, several other factors influence insurance rates, including:
  • Where you live
  • Your age
  • Your marital status
The insurance company you decide to go with can also influence your rate. Every company rates policies differently. You could find a better rate with a different company, even if none of your personal information changed.
If you don’t have a clean driving record or good credit, don’t stress! You still could find a better rate for insurance. You should shop around and look at other companies.
For the best deals on the coverage you need, you can also use Jerry. We’ll gather affordable quotes to help find you the best rate for the coverage you require, and we’ll even help you switch providers once you’ve chosen a new one! That way you can sit back, relax, and just enjoy your new savings.”
Emily Maracle
Answered on Sep 10, 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.

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.

Read advice from car experts at Jerry

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free