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Why are my insurance rates so high when I have a perfect driving record?
"Why would I have high rates with such a good driving record? My driving record is spotless! I am 27 years old and have had my license for 9 years now. I live and work in Pennsylvania and I am tired of paying so much for my insurance."
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
While your driving record is an important factor in your
car insurance rate
, it's not the only thing that insurance companies consider. Even though you have a clean driving record
, your insurance rates could be high because of:- Past insurance claims
- Poor credit
- High annual mileage
- Expensive vehicle
- Higher-risk zip code
- Higher coverage limits
If you're not happy with the cost of your current car insurance policy, here are a few ways to (potentially) save money:
- Adjust yourcomprehensive and collision deductibles
- Ask whether you qualify for anycar insurance discounts
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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