Car Insurance Discounts

Marital status and Age Factors

Are you married? Married people pay lower rates because marriage appears 'responsible.' Are you male or female? Women pay lower rates than men because they are generally safer drivers, and statistically, get into fewer car accidents. Are you over the age of 25 or under the age of 65? Then you have just the right amount of experience – not too little and not too much – to qualify for lower rates as the very young and the elderly tend to have more car accidents and make more insurance claims.

All of these are things you cannot control. Time and circumstance are the mitigating factors. However, there are a couple of things you have some control over.

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Other Factors that affect Car Insurance Discounts

For example, you could move. Drivers in urban areas pay more for car insurance than those who live in more rural areas. Parts of the country with high rates of congestion, a high theft and crime rate, and a high rate of accidents also warrant higher insurance premiums.

The next consideration is the car itself. How much is it worth? How heavy is it? How big is it? Large, heavy cars are less likely to suffer severe (that is, expensive) damage than a small, light car. The more a car is worth, of course, the more expensive your car insurance claims will be and the more it will cost.

What does your car say about you? Zippy sports cars say that you are flashy, a risk taker. Insurance companies give the risk takers higher rates. What does your driving record say about you? What about your credit record? Those who drive safely and pay their bills on time tend to get lower auto insurance rates.

Every insurance company is different. Each one offers different discounts. Make sure you ask what you can do to lower your rates.

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