Understanding Car Insurance Premiums

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Does the age of a car affect insurance?

If you are shopping for car insurance, you may find that your rates are more expensive than you expected. Because there are so many factors that affect a person’s car insurance rates, you may not be able to pinpoint exactly why your car insurance rates are so high.  If you’re driving a new car, it’s...

If you are shopping for car insurance, you may find that you...

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How long does an accident stay on your record?

It’s a fact of life — accidents happen. From a bump in a parking lot to a major incident that totals your car, accidents have a way of ruining your day. The consequences of an accident affect you for much longer than you might realize. From medical bills to increased  auto insurance rates, it’s best...

It’s a fact of life — accidents happen. From a bump in a...

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Non-Driving-Related Factors That Affect Your Auto Insurance

It’s no secret that insurers use factors outside of driving records to determine driver’s rates. The catch, however, is that many non-driving-related factors are out of drivers’ control, such as the area they live in or their age. The result is that many of these outside factors are discriminatory towards drivers.  While the poor practices...

It’s no secret that insurers use factors outside of drivin...

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Will a criminal record affect my auto insurance?

It is common for insurance companies, including GEICO, to look into the personal history of insurance applicants, and a criminal background check could negatively affect your insurance rates. A criminal record can potentially impact your ability to land the job you want, or it could affect your marriage and lifestyle.  Unfortunately, auto insurance with a...

It is common for insurance companies, including GEICO, to lo...

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How does your job affect auto insurance?

A lot of different things affect your car insurance rates. Common rating factors include: Your driving record Where you live What you drive While these are standard factors that are used when underwriting applications, many people don’t realize that what they do for a living can also affect their insurance rates. Your occupation, your credit,...

A lot of different things affect your car insurance rates. C...

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Does a physical control violation increase auto insurance rates?

It’s possible to get a DUI charge if you’re just sleeping in your vehicle while intoxicated with the keys in the ignition. It sounds crazy, but this is just one of a number of different circumstances that can result in a physical control violation on your record. Does a physical control violation increase insurance auto...

It’s possible to get a DUI charge if you’re just...

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Why is auto insurance for Texas teens so expensive?

If you’re a teenage driver living in Texas, you’re probably wondering, “Why is auto insurance for teens in Texas so expensive?” No matter where you live, teens often pay thousands of dollars more for auto insurance than their older driving counterparts. While a lack of driving experience is the main reason why teens pay more...

If you’re a teenage driver living in Texas, you’...

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Does your annual mileage affect auto insurance?

Companies may often ask you for your annual mileage before giving you their rate quote when you apply for auto insurance. Why is this so important? What does “annual mileage” mean? And how do you calculate your mileage? Are there ways to get cheaper insurance based on your driving expectations? We understand that price is...

Companies may often ask you for your annual mileage before g...

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Does LoJack reduce insurance?

If you’re considering installing a vehicle recovery system like LoJack, you’re likely wondering if it will reduce your insurance rates. Most auto insurance providers will offer a rate reduction for installing a LoJack vehicle recovery system in your car. However, the reduction is minimal and only applies to comprehensive coverage. If your primary concern is...

If you’re considering installing a vehicle recovery system...

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Does owning a home affect car insurance?

Buying insurance can be a challenging process. You want to be able to save as much money as you can while also making sure that you have the right coverage to meet your needs. Finding the best insurance requires considering your level of risk and then finding the right insurance to cover your level of...

Buying insurance can be a challenging process. You want to b...

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Does having a pacemaker affect your auto insurance?

A pacemaker is a tool placed in the chest or abdomen that stabilizes the erratic beating of your heart if it is too fast or too slow or if its electrical pathways are blocked. Pacemakers help improve your quality of life. However, you may wonder, does having a pacemaker affect car insurance? Does having a...

A pacemaker is a tool placed in the chest or abdomen that st...

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How does my suspended license affect auto insurance?

Having your driver’s license can severely disrupt your life, and it’s natural to wonder, “How does license suspension affect insurance?” While you can get auto insurance with a suspended license, it may be harder than before the suspension. It’s also important to understand the exceptions that can make it possible for you to still do...

Having your driver’s license can severely disrupt your...

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Do I have to declare speeding points on my insurance?

A single speeding violation can increase your insurance premiums. A small lapse in judgment could be the difference between a good driver’s discount and paying a surcharge. Drivers with just one speeding ticket end up paying $45.46 per month more in auto insurance premiums  You got a speeding ticket, do you have to inform your...

A single speeding violation can increase your insurance prem...

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Does the price of your car affect your insurance rate?

Insurance companies take into account many factors when determining insurance rates for their customers. Your total premium is not just based on your driving record and the amount of coverage you purchase. Find out if the price of your car will affect your insurance premium. Compare auto insurance quotes today using our free rate tool....

Insurance companies take into account many factors when dete...

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If my car is hit, does my insurance go up?

“Someone hit my parked car, will my insurance go up?” is a question many drivers have. Owning and operating a motor vehicle always comes with a risk of damage due to an accident. No matter how carefully you drive, there are always careless people. These drivers may cause an accident that involves you and your...

“Someone hit my parked car, will my insurance go up?&#...

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Why did my car insurance go up when I moved?

Moving is exciting, but it can also be mentally and emotionally stressful, and unexpected costs contribute to that stress. If you recently relocated, you might ask yourself: “Why did my car insurance go up when I moved?” To answer this, it helps to understand how your new address might affect your rates. Insurance companies set...

Moving is exciting, but it can also be mentally and emotiona...

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Does getting an auto insurance quote hurt your credit score?

Most drivers are aware that a car insurance carrier will check their driving record before offering them a policy and providing them with a quote. However, some do not know that many carriers will also check your credit score to help determine your policy premium. While this may come as a surprise, car insurance companies...

Most drivers are aware that a car insurance carrier will che...

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How long does a speeding ticket affect your auto insurance?

Getting caught speeding not only leads to fines, but it can also cause your auto insurance rates to increase. But how long does a speeding ticket affect your auto insurance and how much will your rates increase? When you get cited for speeding, you’re ordered to appear in court or pay your fine by mail....

Getting caught speeding not only leads to fines, but it can ...

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What are insurance surcharges and how long do they last?

Any involvement in a car accident is highly stressful. This is especially true if you are at fault because you then have to worry about insurance surcharges after you file the claim. Increasing rates often lead to financial strain and long-term stress. While insurance rates are likely to rise after an at-fault accident, you can...

Any involvement in a car accident is highly stressful. This ...

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Does Running a Red Light Increase Auto Insurance Rates?

No one likes when their insurance rates go up. It adds an extra cost to a red light ticket. We’ve made understanding your insurance policy easy and give you ways to reduce your insurance rate, even after getting a red light ticket. Even if you get points on your driving record, they will go down...

No one likes when their insurance rates go up. It adds an ex...

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