Why Is My Auto Insurance Quote So High?

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Is your auto insurance quote high? How can you get cheaper insurance? Why is car insurance always so expensive?

Why Is My Auto Insurance Quote So High?
Why Is My Auto Insurance Quote So High?

What Makes An Auto Insurance Rate High?

There are all sorts of reasons why your car insurance right might be high. Some of the things are out of your control. Some of them you can change pretty easily. I will tell you a bit about what you can’t change. But I will focus on what you can change, often very quickly.

What Can’t I Change About My Car Insurance Rate?

You may not be able to change your zip code. The number of accidents and likelihood of accidents in your zip can raise your rate. However, it usually isn’t easy to move. You may not be able to change the coverage you need. If you own a home, you need more coverage. If you are financing your car, you need full coverage. You may not be able to change those quickly, so let’s not worry about them.

What I CAN Change About My Car Insurance Rate!

You can often change your driving history by taking traffic school. Since this gets rid of points on your license, it can make insurance cheaper. Over time, your driving history will get cleaner and rates may go down. You can change the type of car you drive. The cost of insurance largely depends on your vehicle. Do you have a new car? That is why your auto insurance quote so high. Sometimes, you can get a used vehicle that is cheaper to insure. Once you pay off your car, you can get liability coverage.

Sometimes a poor credit history will raise your rate. You can put the utilities in your name. Also, you can open a secured credit card. Maybe you can make arrangements to pay your bills on time. All of these things can make it cheaper when you get a quote.

Are you still getting high rates? Then don’t be the named insured. The first name on the policy is often the named insured. Usually, their record affects the rate the most. So if you have a bad record, have your wife be the named insured. Plus, women generally get lower rates anyways. Do you live with anyone who would add you to their insurance? Paying the difference is usually cheaper.

The BIGGEST Reason Your Auto Insurance Quote So High

Your quote is from the wrong company. The company you chose wants to charge you a ton of money. Maybe it is time to look elsewhere. If your first quote is high, try to get at least 9 more. The investment of your time will handsomely pay off over a few months. Get as many quotes as you can and let the insurance companies fight for your business. You work hard for your money so don’t give it all away. Even $10 a month is an extra $120 a year.


You may have high insurance rates. You may get tons of expensive quotes. However, using these tips will help you get the best rate. If you can only use one, get as many quotes as possible. So always check for lower rates. One day, you may just be surprised.

Personally, I use Root Insurance. After getting about 15 quotes, they were about half of the other rates. You should try them! In fact, if you use my link, we both get a $50 gift card when you get a quote. You don’t even need to buy from them!

Are Auto Insurance Quotes Free?

Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

Should I have to give payment information to get a quote? Do I have to pay anything? Are auto insurance quotes free?

Are Auto Insurance Quotes Free?
Are Auto Insurance Quotes Free?

Does An Insurance Company Need My Payment Information?

Is the insurance agent asking for your card number? Is the website refusing to give you a price until you create an account? Do they need this information? No, they don’t need any payment information. Auto insurance quotes should be completely free. In fact, you should only give payment information after you agree to a quote.

Some companies may ask for your card up front. Stay away! Either, they are planning on charging your card or they want to make it easier to give them money. Although there is nothing sinister about the latter, it makes it hard to make the right decision. It becomes easy to say “just charge it”. This may lead you to overpaying by hundreds. Do not give them your card number until after you choose them.

Do I Have To Pay Anything For An Auto Insurance Quote?

The short answer is no but it may depend on the state and agent. For example, some states allow an agent to charge a producer fee. While they can’t charge it until they write the policy, it can feel like you’re paying for the quote. Allow states allow the fee, it is not required. Generally, the agent makes money off of the commission of your premium. If they charge a fee, the fee varies by producer. I have charged anywhere from $50-$150 for a producer fee in different states. However, you can probably find a producer who won’t charge you the fee. If you want to go with an agent who charges the fee, you can ask them to lower it. No one wants to pay money for nothing.

Are Auto Insurance Quotes Free?

Yes, they should be free! Some may even give you an incentive for getting a quote. Root Insurance will give you a $50 gift card for getting a quote from them. You should check it out! Otherwise, any insurance company should give you a quote before you decide to buy their insurance. How would you know if you can afford their insurance without the price?

Do Car Insurance Quotes Include Tax?

Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

Do I have to pay sales tax on car insurance quotes? Do car insurance quotes include tax? This article will tell you what to expect to pay compared to your car insurance quote.

Do Car Insurance Quotes Include Tax?
Do Car Insurance Quotes Include Tax?

Paying Taxes On Car Insurance Quotes

Do car insurance quotes include tax? The saying is that the only things guaranteed in life are death and taxes. There are taxes on property, cars, income and even death. There are taxes for everything you buy. Luckily, services are still usually exempted from sales tax. When you pay your lawyer, he or she won’t charge you sales tax. The same holds true for insurance. The quotes you get should include any fees or taxes with them, if there are any.

What Taxes And Fees Should I Worry About?

So if I don’t have to pay sales tax, what should I worry about paying? Firstly, make sure there isn’t a producer fee. That is a fee some agents charge just to set up the policy. Since they get paid a commission, this usually isn’t necessary. If they insist, try and talk them down on the cost. Maybe they’ll take $50 instead of $200.

They may try to sell you on extra services you don’t need. They may try and convince you to buy more coverages than you need. You may not need renters or homeowners insurance. You may not need a separate roadside assistance package. Make sure you know what you’re getting before you sign.

Another thing is to double check the coverages. Do you just need liability? One time, I asked for the state minimum coverage and the agent set me up with more than state minimum. While that may be a good idea in some cases, I was a poor college student with 13+ year old car. I ended up spending more than $150 a month for liability. It was horrible! Make sure you know your numbers.

If you aren’t sure what you need, this article will help you know if you need full coverage.

Summary: Do I have to pay sales tax on car insurance quotes?

Do Car Insurance Quotes Include Tax? Although you may not have to worry about paying sales tax on auto insurance quotes, you need to be watchful of plenty of things. It isn’t enough to get one car insurance quote. Whatever you do, try and get at least 5-10 car insurance quotes. If you’re buying a car, try and get quotes before you buy it. It may take you a few hours to find a good rate. Whatever you do, don’t rush the process. You could end up spending $1,200 or more a year needlessly. If two hours of work saved you that, it would be like getting paid $600 an hour!

So far, Root Insurance has been the best that I have found. You can read more about them here!

Are Auto Insurance Quotes Accurate?

Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

Are auto insurance quotes accurate? Can I trust that I will pay the rates they say? Will my rate go up or down each month?

No, Auto Insurance Quotes Are Not Accurate. Well, maybe not…

In all honesty, it depends on how you got the quote and which company gave it to you. Did they ask for personal information? Did you agree to let them check your credit and driving history? If not, the quote cannot be accurate. Because most insurance companies ask for things like your profession and martial status to give you discounts, the quote can’t be accurate without them.

Also, your driving history really changes your rate. An insurance company should ask for your permission before they get that. If you didn’t agree to their terms verbally or clicking on the link, they can’t do that. Without your driving record, the quote is worthless.

Are Auto Insurance Quotes Accurate
Are Auto Insurance Quotes Accurate

Without your credit history, the quote could go up. Although I rarely see the quote go down, a limited credit history could make the rate go up. Generally, they will look more at utility payment history than student loans. They are really looking to see if you are good about paying monthly bills. However, if you have several accounts in collections, this could drive up your rate.

What About The Ad For $19 Auto Insurance?

Generally, that is not a rate you will get. In order to advertise a rate, a car insurance company has to give that rate to only one person. Unless you live in the middle of Iowa with great credit and driving history, you probably won’t get that rate. Of course, try and see what you can get. However, those ads aren’t a quote for you. They are only there to get your attention. This gets people to get click on their ad and get a quote. Don’t write off getting a quote from an ad. Just know that you may not get as cheap of a rate as the ad says.

What About The Ad For $19 Auto Insurance?
What About The Ad For $19 Auto Insurance?

What Should I Do To Get Accurate Auto Insurance Quotes?

Remember, real quotes ask for personal information, your driving history and credit history. So make sure you go through the company’s official website to get an accurate quotes. If you want to see what Allstate charges, go to their website. The same goes for all of the major carriers. But please, be careful of Geico. Once you have 5-10 quotes, you will have a good idea of what you will be paying. But if there is a huge variance, get more quotes. Sometimes that last quote is the winner so don’t stop looking too soon.

Summary of Are Auto Insurance Quotes Accurate

Now you know are auto insurance quotes accurate. You also how to know to get several quotes yourself before deciding. If you gave no personal information, the quote won’t be accurate. As always, I recommend trying Root Insurance and seeing what rate they give you.

Why Is My Car Insurance Quote So High?

So why is my car insurance quote so high? How can I make the quote go down? Why is car insurance so expensive?

Why Is My Car Insurance Quote So High?
Stop Shelling Out Hundreds A Month For Car Insurance!

Here’s Why Your Car Insurance Quote Is So High

Many different things can raise your car insurance rate. Luckily, with a few changes, you can take control of your quote. However, with a few of the strategies I will give you, an affordable car insurance rate will be within your grasp.

What You Can Change To Get A Cheaper Insurance Quote

The biggest tip I can give you if you are looking for insurance today is to get as many quotes as possible. If you only contact one insurance company, they can charge you whatever they want. This is because getting the highest number of quotes empowers you to get the lowest rate. I have found that Root Insurance has been the cheapest quote I have been able to find. However, it never hurts to check companies such as Progressive, Geico, State Farm and Allstate.

But as a word of caution, don’t let an insurance agent shop your rate for you! As tempting as one-stop-shopping is, they have no reason to tell you the truth. After working at an agency that wrote insurance with 12 carriers, I can personally tell you that those agents are designed to write policies that pay their company the most.

As I have personally had to lie to customers saying there wasn’t a better rate for them while staring at a cheaper from another carrier. So if one quote costs $50 more a month but pays the agency even $1 more, they may only tell you about that quote. They aren’t there for you because they are there for the agency.

What Long Term Strategies Will Give Me The Best Rates?

This tips will help you get better insurance quotes in the future. If you are in a rush, just try the above tip first. It will be the most helpful if you don’t have time. These tips are the best practices for car insurance. I will overview how you can improve your credit, driving history and pick the right car for a low insurance rate.

Car Insurance Quote
It can feel like you are insuring a Rolls-Royce when you get your quote back!

How To Fix My Credit For Car Insurance

The way car insurance carriers measure your credit is different than banks or credit card companies. This is usually good news! FICO scores are often hard to raise quickly which is what banks evaluate. Since car insurance companies just want to make sure you pay your monthly bills, your payment history is their primary concern. So put your phone and utility bills in your name. If the power bill is in your spouse’s name, have them also get a quote. And make sure it matches the address where you will park your car at night. This can make a HUGE difference is what you pay each month. Even with the General, this can raise your insurance quote.

How To Clean Your Driving History

Your driving history can play the biggest variable role in your insurance quote. Since an accident or DUI follows you for five years, there isn’t a whole lot you can do about those. If you have a ticket, including a citation from an accident, do traffic school to get the points off of your license. This will help lower your rate. Otherwise, try to be an additional driver on another person’s policy. If they have a clean driving record, it may be cheaper to be on their plan. However, they may need to be in your household. If this isn’t an option, try my last tip.

Your Insurance Quote Is So High Because Of Your Car

Your insurance quote is so high because your car is worth too much money, The higher the value of your vehicle, the higher your rate will be. Check KBB.com to see the value of your car. As a rule of thumb, an older vehicle or cheaper brand will be cheaper to insure. Actually, some of the cheapest cars to insure are antique cars.

If your car insurance is too high, you may actually try getting a cheap car to drive for a few months. If your driving record isn’t so great, a $500 car may save you $100 or more a month. After just six months, you’ll be ahead. You also may still save money if you put that car first on your policy. Discounts on second vehicles are based on a percentage. Having the junker be the first car may save you money overall.


So you now know why your car insurance quote is so high. Use these tips to get a lower rate. What tip surprised you the most? Have you used any of these strategies before? Comment below to let us know!

Get a quote from Root using this link and you’ll get $50 even if you don’t sign up!

Top Five Tricks Car Insurance Salesmen Use

Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

Here are the top five tricks I saw car insurance salesmen use to try and get more money out of you. Falling for any one of these tricks could cost you THOUSANDS a year!

Number 1 Trick Car Insurance Salesmen Use: Saying They Found You The Best Rate

The first trick car insurance salesmen use is lying. Car insurance salesmen are under NO OBLIGATION to tell you the truth. They can lie straight to your face and misrepresent the truth with no legal repercussions. This is because they have no fiduciary duty to you. If you hear them say any of the following, LEAVE: “this is the best rate on the market.” “I found you the lowest price.” “With your record, I don’t know if any other company will even take you.”.

Most of the time, these are just lines to trick you into thinking they are working for you. In fact, if they work with multiple companies, they probably will only telling the prices from the companies that pay them the most of your money. Only believe that is it the cheapest rate after you have looked at 10+ quotes from at least 3 different websites or companies.

Car Insurance Salesman Lie
Car Insurance Sales Agents Can Lie To You

Number 2 Trick Car Insurance Salesmen Use: Let’s Start At Higher Coverage And See How Affordable It Is

When I sold auto insurance, I was told to always find them a quote at 100/300/100 coverage. To be clear, if you are a homeowner or have substantial assets, you want AT LEAST 100/300/100. In fact, 250/500/150 is probably where you should start. However, if you are a renter or are uncollectible, you just want the state minimum coverage. This is because once the insurance policy is exhausted, it wouldn’t make sense for them to take you to court.

They can’t take anything away from you if you don’t have much to take. However, the reason insurance salesmen will start with this rate is either to make a higher commission or to make the rate you end up getting seem more affordable than it really is. Makes sure you know your state’s minimum requirements BEFORE you go in and double check what they quoted you.

Number 3 Trick Car Insurance Salesmen Use: You’ll Want Full Coverage

This is another one of the tricks car insurance salesmen use to boost their commissions. Full coverage does make sense when you finance a car, if the car is newer or you live in an area with lots of accidents. Most car loans require full coverage and it probably makes sense if your car is 5 years old or newer. If you total your car and you know it wouldn’t be worth the cost of repairs, skip the full coverage. The law only requires liability coverage (and some states require personal injury). A rule of thumb is that full coverage is roughly twice the price of liability. If your car isn’t expensive to replace, do yourself a favor and save the difference toward the cost of repairs.

Number 4 Trick Car Insurance Salesmen Use: Bundling In Coverages You Don’t Need

Would you like to add renters insurance? Would you like to make sure your house has coverage? Do you have enough life insurance?

Bundling can save you a bundle but only when you need the coverage anyway or it overall lowers the premium. If adding renters insurance lowers the overall cost, add it. If it adds even $1 per month, skip it. Renters Insurance only makes sense if you have several expensive items. Also, there are usually coverage limits on things such as jewelry and electronics. Insurance agents can make more money by having you add a $15 a month renters policy. However, that adds up to an extra $180 a year for something your probably won’t use anyway.

Insurance Salesmen May Not Give You The Coverage You Need
Car Insurance Agents May Give You The Wrong Coverage

Number 5 Trick Car Insurance Salesmen Use: Bundling In Roadside (And NOT Telling You)

I quit my job as an insurance agent and this is the biggest reason why. This trick car insurance salesmen use to make more money. In our agency, we were told to have the customer buy roadside on EVERY policy. To be clear, most car insurance companies include free roadside with every policy and people often have AAA already so they don’t need this. Because most people calling in for car insurance just want insurance, they taught us to not even tell the customer they were getting roadside until after they agreed to a legally binding recorded message. My sales trainer taught me to say things such as: “don’t get confused when the message says this isn’t insurance. It’s just a legal requirement.” Or “try not to fall asleep to this boring message! Just say ‘I agree’ after it ends”. This was allegedly legal but deceitful.

We also couldn’t change the price of insurance but we could sell roadside at a cheaper rate. If we told someone that it would be $300 to get started today ($150 for insurance and $150 for roadside) and they said they didn’t have it, we would put them on hold to talk to “underwriting”. Really, we would just put them on hold for about 30 seconds and the price would magically drop by $25. If that was still too high, we would rinse and repeat until the roadside was half the price. If that was still too high, we either wouldn’t do business with them or we would, sometimes, drop the roadside. They designed this process to squeeze every cent we could out of each customer.

Why Was This So Bad?

This wouldn’t be so bad except that the agency exclusively targeted low-income people. These people were sometimes homeless or trying to get back on their feet after jail, divorce or a DUI. They encouraged us to try and take advantage of the customer’s naiveté by draining their bank account dry. If they didn’t have the money, we would ask when their payday was, who could loan them the money, if we could split up the payment (still not telling them that half of it was roadside assistance) or set them up with liability when their auto loan require full coverage. It made me feel gross and slimy on the inside but most of my coworkers are still using those same tactics everyday.

Be Careful Out There!
Be Careful Out There!

Be Careful Out There!

So there are my top five tricks car insurance salesmen use to take advantage of you. If you want to skip the insurance sales agent all together, try Root Insurance. I love having their insurance! Click Here to read my Top 5 Reasons I think they’re the best car insurance company.

5 Reasons To Change To An Unknown Insurance Company

Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

Can you trust a car insurance company if you’ve never heard of them before? What happens if you are in an accident? If you’ve never heard of them, will they go out-of-business right as you need them? Here are the top five reasons to change to an unknown insurance company.

The First Reason To Change To An Unknown Insurance Company:

Insurance Companies Have To Cover You. PERIOD.

We’ve all heard of those companies where their prices seem too good to be true. The online scam for a free trip to Paris for two. Or maybe the big screen TV you win if you complete enough surveys. And the eBay seller whose account magically disappears after you click “Buy Now”. All of these experiences make us nervous about trusting a new company. You can rest assured that any legitimate insurance company is so heavily regulated that they can’t be a fly-by-night operation. In order to legally issue insurance, they have to prove they have enough funds to pay out for the coverage they provide. Above that, some states require that all the insurance companies pay into a monthly fund to cover any expenses that one insurance company cannot pay should they somehow fail.

The First Reason To Change To An Unknown Insurance Company: Insurance Companies Have To Cover You. PERIOD.

The Second Reason To Change To An Unknown Insurance Company:

You Don’t Have to Pay for Their Ads

It may seem strange but all companies have to get the money from their ad budgets somewhere. This money either comes from investors, loans, or customers. Every time you see an ad for Geico, Nationwide, The General, Progressive, Allstate or State Farm, just remember that their customers are probably paying for you to see that. Super Bowl ads get more expensive each year and so does your car insurance. Any correlation there?

The Third Reason To Change To An Unknown Insurance Company:

You Get The Same Coverage With Them

Since car insurance is based on the same coverage options, you end up with the same coverage no mater where you go. State Farm’s 50/100/50 coverage is just the same as SafeCo’s. Progressive’s collision coverage covers the same events as Root’s. The only differences are minor features and options. For example, some carriers offer accident forgiveness if you have had them for several years. Progressive will let you have full-coverage insurance with $2,500 deductibles whereas several other carriers only allow $500 or $1,000 deductibles. Some carriers offer Gap coverage on financed cars. Most of these features are overpriced or unnecessary.

The Third Reason To Change To An Unknown Insurance Company: You Get The Same Coverage With Them

The Fourth Reason To Change To An Unknown Insurance Company:

You Support Smaller Businesses and Competitive Rates

If you think about it, the only thing keeps car insurance rates down is competition. There aren’t laws to keep them at a certain price. Since car insurance is a requirement to drive, you have to buy it. Hypothetically, if a car insurance carrier was the only company in your state that could sell you car insurance, they could hike up rates until only the richest people could drive. Could you image paying $1,000 a month on car insurance? I’ve seen rates that high.

When you buy insurance from a smaller insurance company, it keeps them in business. This probably helps the local insurance agent support his or her family but it also makes it so that the larger guys can’t hike up their rates. If Geico, Progressive and State Farm charged you $150 a month but word got out that Root only cost $65, the larger companies will have to be careful before raising their rates to $200 a month for fear of losing customers.

The Fifth Reason To Change To An Unknown Insurance Company:

You End Up Saving A LOT of Money!

When I got car insurance for the first time, I was paying about $175 a month for liability for a 13 year old Ford Focus. When I switched to Root, the cost went down to $62 a month for full coverage with insured and underinsured coverage. That’s saved me $113 a month! What would you do with an extra $1,356 a year? Buy a new TV, have the downpayment on a new car, or make that family vacation last a few extra days. Wouldn’t that be worth a few minutes of your time?

What To Use The Best Insurance Company?

Download The App And Take Root For A Spin!

Read my review here!

Best App For Car Insurance Quotes

Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

What is the best app for car insurance quotes? Why should I use an app instead of going into an insurance office? How can an app save me money on car insurance?

What Is An App For Car Insurance Quotes?

There are a couple different types of apps you can use to get a car insurance quote. The traditional apps are basically just rebranded websites in the form of a smartphone app. However, the better set of apps actually base your rate off of the way you drive. The choice is up to you. Would you like to just get a State Farm or Geico Quote? Download their app or use their websites. But if you are a good driver, why not try one of these apps and see if you can get an even lower rate?

Best App For Car Insurance Quotes
What Is The Best App For Car Insurance Quotes?

Traditional Car Insurance App Quotes

These are no different than simply clicking on Allstate.com, Gabi.com or pretty much any other website. Unless your smartphone is your primary internet browsing device, I would recommend not using these apps. They will take up space on your phone, might use some of your limited data for the month, it may take several minutes for them to download, might get in the way of finding apps you are looking for and, more or less, have the same exact utility as the carrier’s website. Just use their website and see what quotes they give you.

The Best Apps For Car Insurance Quotes

These apps are great! If you have a few marks on your driving history or not the best credit report, these apps are probably your best bet at getting a cheap car insurance quote. Even if you have a great driving history, these apps will probably save you a bundle every month. I found that I could get much better coverage at almost 1/3 of the price with Root instead of Allstate. How is this possible?

How Root Insurance Saved Me Money

Root Insurance works by having you install their app and tracking how you drive. They track things like how often you drive, what hours of the day you drive and how you accelerate and decelerate. With this information, they chose which drivers to insure. By being picking about who they approve, they can avoid having to pay out on accidents. This savings allows them to give you great rates and still make money. They also avoid some of the larger expenses that other insurance carriers have. They seem to focus on viral digital marketing instead of television ads, for example. With a focus on keeping costs down, they are usually the cheapest around. When I sold insurance, I checked my insurance rates with several carriers. Being appointed with 11 of them, I got a glimpse into auto insurance quotes most people don’t. I found that they beat all of the carriers I tried. About a year and a half later, I tried again but I couldn’t beat them. Root has some of the best insurance rates. Because they saved me so much money, I believe they are the best app for car insurance quotes.

Root Insurance App Quote
Root Insurance Logo


There you have it! Now you know which apps to download and which to avoid when looking for the best car insurance rate. If you want to learn more about Root Insurance, click here to read my review. It tells you the top five reasons I believe they are the best car insurance company right now. Or, if you would rather just get a quote with them, click this link.

Can Car Insurance Quotes Change Daily?

Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

Did your insurance agent tell you that the rates can change daily? Can Car Insurance Quotes Change Daily? We are going to find out if car insurance quotes can change daily. Read the whole article to find out and start saving money!

What Car Insurance Is Based On?

Car insurance is primarily based on the car you’re insuring, length of clean driving history, the age, gender and marital status of the driver, the driver’s driving record and credit score. The type of car you drives tells the insurance carrier a lot about you. If you are driving a sports car, you probably are more likely to speed. If you drive a VW Beetle, you may not be as likely to have an accident. The value of your car can change your rates too. This is especially true with full coverage insurance. How long you have been a safe driver is a huge part of your car insurance quote changing. If you have a clean history for 5+ years, you’ll pay less for insurance. If you got into an accident yesterday, your rate will go up.

What Is Car insurance is based on?
What insurance is based on

Because you don’t know exactly what the future holds, your driving record could change by tomorrow. I know, it sounds crazy but you never full know what is going to happen. Your age, gender and marital status are some of the primary demographics they use in giving you a quote. These aren’t too likely to change in a day, however. Your credit score may actually change, for better or worse, tomorrow depending on what accounts report. A few extra months of on time payments can keep your rate from going up. But, if your utility bill is late or a bill goes to collections, your rate may go up by the following day.

Be sure to read my article about how to get the lowest possible insurance quotes!

Yes, Car Insurance Quotes Can Change Daily

Car insurance quotes can change all the time. Nothing stops the company from changing rates when you hang up the phone, close the browser window or even before either of those. Usually, the rates actually change based on new information. That new information can be something that comes up when they run your driving record. It could also be new information the insurance company gains about the area where you live. If you think about it, car accidents happen every day. If the insurance company knows that yesterday more accidents occurred in your area than normal, it may predict that this trend will continue. This would indicate that insuring you would be riskier. In order to minimize their risk, they would increase insurance premiums.

Can Car Insurance Quotes Can Change Daily?
Yes, Car Insurance Quotes Can Change Daily

The question then becomes how often do the car insurancecompanies get new information? Since accidents happen everyday, it is save to assume that the larger companies get new information concisely. The information is then crunched by the underwriting department. Therefore, the bigger the company, the more likely it is that the car insurance quote can change daily.

My experiences with changing rates.

Personally, I have found that rates usually stay the same for about a week. After a week or so, it becomes more likely that those rates will go up. That being said, any change on your driving profile can change things immediately. Because there is uncertainty in your car insurance quote, go ahead and get insurance as quickly as you can. If you’re not ready to pay for insurance right now, Root Insurance gives one of the most stable quotes I have ever seen.

How To Save Money On Car Insurance Quotes

Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

Are you trying to save on car insurance quotes? No one wants to pay more than they have to pay for car insurance. Some people don’t know how to shop their rates. If you haven’t checked rates lately, here are some tips on how to save money on car insurance quotes.

How To Save Money On Car Insurance Quotes
How To Save Money On Car Insurance Quotes

What Is A Car Insurance Quote?

A car insurance quote usually starts with an estimation of what your rates would be. From the estimation, you can decide if it is worth having them run your credit score and driving record. After they verify the information you gave them, then they give you an official quote. This quote should be exactly what you pay each month for the length of the insurance term.

So I May Not Pay The Rate I Saw Online?

Unfortunately, a lot of the car insurance quote websites don’t have enough information to give you a fully accurate quote. They may give you a number but that number may change. Insurance isn’t like buying milk. The price isn’t the same for everybody. It is an approve process much like getting a credit card.

Just as you might get a lower interest rate from CapitalOne than I get, I may get a lower quote from Geico than you get. There are multiple factors that decide how much the insurance company will charge you for auto insurance. Although this may seem unfair, the rates are based on the perceived risk of insuring you. The good news is that once you know what drives your rate up, you can change a few things to lower your cost.

What Determines My Car Insurance Quote?

The biggest factors that determine your insurance quote are: the vehicle you are insuring, your zip code, your age, your gender, your marital status, driving history and credit score. I will explore each of these factors in more detail. This will let you know how to get cheaper insurance.

How To Save Money On Car Insurance Quotes With Your Car

The car you drive can make a huge impact on your car insurance rates

The car you drive can make a huge impact on your car insurance rates. This is especially true of full coverage car insurance but affects liability rates too. As you can imagine, an insurance company having to replace a $100,000 brand new BMW is going to be more expensive to insure than a $2,000 15 year old Ford Focus. This means that the BMW would probably cost more to buy and insure. Should this be the only deciding factor in buying a car? No. However, it should be a consideration, especially if you will have a car payment.

In general, older cars are cheaper to insure. They usually use an estimate that is similar to what the Kelly Blue Book value of your used car. Some of the cheapest cars to insure are actually antique cars. I have seen someone who was paying about $100 a month for a normal car insurance rate but it went down to $19 with a policy for an antique T-Bird from the early 1990s. So if you have an old T-Bird, Mustang or Camaro that is in good running order, you may want to consider making it your daily driver.

Hybrids and electric cars are also usually more expensive to insure. This is probably because their batteries can be costly to replace after an accident. Also, they usually require specially trained mechanics to assess damage or make repairs. However, you still might save more money on gas with a hybrid or electric car than your rate goes up.

How Can My Zip Code Help Me Save Money On Car Insurance Quotes?

The number of accidents, stop lights, roundabouts, stop signs and more can change how much car insurance costs. While I highly doubt it would be worth moving to save money on car insurance, it’s something you should factor into relocation costs. If you want to see how much your rates will vary, try looking at insurance estimates (without running your credit score and driving record) both where you currently live and where you are about to move.

Can My Age Affect My Insurance Rates?

Kinda. While, you know how everyone says that your car insurance rates go down after you turn 25? That’s not entirely true. It isn’t about age so much as how long you have had a clean driving record. The exception to this being that younger people, especially teenage boys, are usually more expensive to insure. They do base rates off of how likely someone your age would have an accident.

Generally, assuming you started driving at 16, if you are about 25-65, you will get the best rates based on age. After about 65-75, you will actually start to see your insurance rates increase.

Can My Age Affect My Insurance Rates?

Can My Marital Status Affect My Insurance Rates?

Yes! Married people, especially men, are less likely to get into car accidents. You actually get a discount for being married. Getting a divorce can raise your car insurance rates a bit because you will be considered single again. The good news for divorcees is that they usually are in a better age bracket and have cleaner driving histories than they did before their marriage so their rates might not actually go up at all.

Can My Marital Status Affect My Insurance Rates?

How Does My Driving History Change My Can Insurance Quotes?

Your driving history probably plays the biggest role in determining your car insurance rates. I have seen people with absolutely horrible driving records get unbelievable high rates. I once talked to a man who had several accidents, DUIs and tickets get a quote north of $750 a month for liability! The more accidents you’ve been in, the more likely it is that you will be in another in the near future. The more tickets you have, the higher your rate will be. If you have a DUI, please go and get a lawyer to help you fight it. If you get a ticket, traffic school is probably worth it.

Tickets and moving violations stay on your driving record for 3 years. Accidents and insurance claims stay on your driving record for 5 years. Please tell the agent who is quoting you about everything on your driving record. It is much better for a few things to come down and your rate be lower than you thought than to lie and go through the whole process of getting a quote for the rate to double or triple and it be out of your price range.

How To Save Money On Car Insurance Quotes With A Good Credit History

I have never seen a good credit score lower someone’s rates but I have seen people’s rates skyrocket and the insurance carrier even rejecting them because of a bad payment history. The good news is that this credit check usually has less to do with your FICO score and more to do with your payment history.

If you have utilities in your name, installment loans that you pay every month and a history of paying car insurance on time, you should be fine. However, not paying these bills or having several accounts in collections may make an insurance company think twice about you.

How To Save Money On Car Insurance Quotes With A Good Credit History


Now you should be empowered to take control of your car insurance rates. You now know all of the primary factors that can change your insurance quote. I invite all my readers to get a quote from Root Insurance because they have given me the best quotes I have been able to find. Also, if you download the app and get a quote with my link, they will give us both $50 gift cards, even if you don’t sign up! So try it out and let me know how it goes!

You can check out my full review here.