Why can’t I get cheap car insurance?

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Things to remember...

  • The price you pay for car insurance is influenced by a variety of factors, such as your driving record and driving experience
  • If you have recent car accidents on your driving history report or have received tickets for moving violations, you may end up paying more for car insurance
  • Each car insurance company has a different way that they price your auto insurance policy
  • If you think you are not getting a reasonable rate for car insurance, you should shop around for a variety of different quotes and ask for as many discounts that could apply to you as possible
  • If you cannot get car insurance from any company at all, you may need to go through your state Department of insurance to find an insurance option for a high-risk driver

If you are having trouble getting car insurance at a cheap rate, it could be because you have recent accidents on your driving record, a low credit score, recent moving violations on your record, or have purchased a very rare or expensive vehicle.

No two car insurance companies are the same in terms of the way they calculate each factor in figuring out the premium that you pay for car insurance.

Before you give up on your search for cheap car insurance, make sure that you have acquired multiple quotes from different companies and that you have asked for all discounts that could apply to you.

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What Car Insurance Companies Consider for Your Auto Insurance Rate


The premium or price you paid to get car insurance does not depend on any one factor alone.

While you would be correct in thinking that your driving record is extremely important in influencing your car insurance rate, there are other things that come into consideration. For example, most car insurance companies use your credit score to determine the level of risk you would be to insure.

Factors like your age, gender, and years of driving experience are beyond your control in terms of how you could get a lower quote for car insurance.

If you are a relatively inexperienced driver, you can expect to pay more for a policy than someone who has been driving for years.

In this scenario, you could even consider being added on as a driver to your parents’ policy, which could be considerably cheaper for you.

The upside of this arrangement is that you can always seek out your own policy after you have established a good driving history.

For some of the other factors, you can take steps to improve your status so that you would eventually pay a lower rate for car insurance. For instance, improving your credit score can help to lower the rate that you pay.

You could focus on lowering your debt to income ratio or paying off any past due debts. After checking your credit score on your credit report, you could always apply again for auto insurance rates to see if they are any lower.

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Finding Discounts for Your Car Insurance Rate

It would be a mistake to assume that you are automatically getting the lowest price possible for car insurance right off the bat. Some discounts from car insurance companies are not widely advertised, and the car insurance agent would not necessarily know that it would apply to you.

This is where it pays to be proactive and do your homework in terms of what types of discounts you could qualify for.

A good example of this would be telling your car insurance agent if you have any anti-theft devices in your car, which would make your car less susceptible to a break-in and, therefore, a lower risk for the car insurance company to cover.

In addition, you should find out if it makes more sense for you to have all of your different insurance policies through the same company. Collectively, you may just pay a lower rate for having all your insurance policies with the same insurer.

Keep in mind that not every insurance company offers all of the insurance policies you may need. This is something you could ask your auto insurance agent about specifically.

Alternatively, it could also be cheaper for you to be added on to someone else’s policy in your family. If this option is available to you, you should request quotes to figure out how much you could potentially save.

Unique Situations for Car Insurance Rates


If you happen to drive an exotic or performance type of vehicle, this is almost always considered a high-risk vehicle for your policy. Plan on paying a higher rate for car insurance if you have a modified exotic car.

If your car is only for shows or display, you should not pay the same rate as if you were driving it to commute to work every day.

Each auto insurance company will price coverage for an exotic car differently, which is why it is even more essential that you put the leg work into getting multiple quotes for coverage.

Did you know that having another high-risk driver in your household could be driving up your insurance rates? The auto insurance company takes into account all of the drivers who live in your household because it assumes they will have access and permission to drive your vehicle.

To prevent a spike in your insurance rates, tell the agent that you would like to specifically exclude those high-risk drivers in your household. Be sure to remember that this means they would not be covered if they drove your car and got into an accident.

Final Thoughts on Why You May Not Get Cheap Car Insurance

Auto insurance companies will consider anyone who is not a typical driver to be a higher risk driver.

An example of this would be if you have quite a few accidents on your driving record, do not have many years of experience with driving, drive a super expensive car, live in a high crime area or have moving violations on your driving record.

While it can be frustrating to have to pay a higher rate for car insurance, some of these scenarios can get better over time. For instance, if you go a certain amount of time without having an accident on your driving record, you may be able to request quotes for a lower rate for car insurance.

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