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What Affects Auto Insurance Quotes

Credit Score

An influencing factor on your auto insurance quote that you may not have been aware of is your credit score! A really great credit score is, these days, a rare thing. While you do not have to have perfect credit to get a good deal on auto insurance quotes, the better it is, the better your rates will be. Insurance companies look to credit scores to tell them how much risk they may incur when insuring you. For this reason, you should try your hardest to keep your credit score as high as possible.

Traffic Violations

A more commonly known influence on auto insurance quotes is your history of traffic violations. Every traffic violation you incur bumps you into a higher classification of risk than other, more cautious, drivers. Lots of companies do have "accident forgiveness" policies that forgive a minor violation or two but try and be a safe driver and keep these violations to a minimum in order to receive the best auto insurance quote.


Something you may or may not be aware of is that age influences your auto insurance quote as well. Drivers younger than 25 are considered a higher risk due to inexperience and the statistically driven belief that they get into more accidents and incur more traffic violations than those drivers over 25. Older drivers, as well, may be quoted higher rates due to age. This is one factor that, unfortunately, cannot be helped.


Your gender may affect your auto insurance quote as well. Statistically, men are more aggressive drivers, receive more traffic violations and get in more accidents than women.

Marital Status

In most cases, you may find that, if you are married, you will receive a lower auto insurance quote and subsequent premium than a single person of your same age and gender with the same driving history as you.

Drugs & Alcohol

As you probably already know, drivers with DUIs/DWIs on their records pose a significantly higher risk to an auto insurance provider and will, therefore, see higher auto insurance quotes and subsequent rates. Another little-know but related fact about these types of infractions is, if you are arrested for DUI/DWI, many auto insurance companies will cancel your policy immediately! Do not drink or do drugs and then drive under the influence or while intoxicated. It puts you and others at risk and, if you are caught and arrested, will cost you lots of money.

No Prior Insurance

Another factor that may increase your auto insurance quotes is a lack of previous insurance. If you have been driving uninsured due to having no policy or allowing a previous policy to lapse, you will encounter higher auto insurance quotes. To get the best rates, you need proof of at least six months of prior coverage.


There are some things that can affect your auto insurance quote in a positive way. You may be eligible for a number of discounts offered by many auto insurers. Some of these include good student discounts, good driver discounts, and multi-car or multi-policy discounts. Take advantage of these and save.

» Credit Score

» Traffic Violations

» Age

» Gender

» Marital Status

» Drugs & Alcohol

» No Prior Insurance

» Discounts

Words such as "premium" and "deductible" may be foreign to some people. Many of us do not really understand the terminology thrown at us by big insurance companies. So how do you effectively compare and receive the best rates if you do not understand the language? Understanding all involved factors when it comes to auto insurance coverage is the first and most important step to ensuring that you have the correct coverage for your individual needs.


Many may wonder how their auto insurance quotes will be affected based on whether they opt to buy or to lease a vehicle. The truth is that there is not really a difference between the two options when it comes to auto insurance quotes. Insurers are concerned, primarily, with the state of your driving record and the specific type of vehicle you want to insure. Rates are based on what risk you pose to them as a driver and the amount they may have to pay out if you are in an accident. They are not concerned with whether you have leased or purchased the vehicle, as they will have to insure it the same way, regardless of ownership status.