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Auto Insurers and Driver Risk Profiles

Generally speaking, and all things equal, insurers will give a lower rate to a safe driver versus one with a bad driving record. Similarly, an experienced driver will enjoy a lower rate versus a new or teen driver. The reason is that insurers are constantly using data and algorithms to create what is known as a driver’s “risk profile.” Various factors go into a driver’s risk profile, and can include one’s age, zip code, history behind the wheel, miles driven, type of car, etc. Insurers use a driver’s risk profile to try to predict who is more riskier, and thus more expensive, to insure. Those who are deemed higher risk will often see higher rates.

However, we often see two identical types of drivers paying wildly different rates. That is because some insurers simply do not want a certain type of driver at this very moment. For instance, some companies specialize in insuring high-risk drivers, so if you are a safe driver, you most likely will find a much better rate going with one that is looking for your driver profile. Others do not want any high-risk drivers on their books, no matter what. These are the insurers who will send your rates through the roof with just one ticket or accident.

How All Drivers Can Still Get a Much Lower Rate

Unlike the insurers, our specialty at Cheapest-Auto-Insurance.com is to instead use data and algorithms in a way that favors all types of drivers.

We have direct relationships with all the top insurers -- from large companies, to smaller ones, to brokers. Our system determines your driver profile and secures quotes from those insurers who reward drivers just like you with the absolute lowest rates. Do not risk ending up with an insurer who does not want or specialize in your driver profile. Just enter your zip code to start your quote or read below to learn more.

How You Can Save with a Bad Driving Record

Your driving record is a very important factor used by insurers to determine how much your car insurance coverage will cost. If you have a clean record -- typically no accidents or at fault tickets for the past three years (though the timeframe can vary by insurer) -- you should qualify for the lowest car insurance rates.

But no one is perfect. Tickets, accidents, or even a DUI can happen to anyone. Unfortunately, many insurance companies will penalize you with a high rate, one that lasts long after you have learned from your mistakes and improved your driving.

If you recently got a ticket, were at fault in an accident, were convicted of a DUI/DWI, or need an SR-22/FR-44/Certificate of Financial Responsibility (CFR), it is highly recommended to start shopping for new insurance.

There is a good chance your current insurer does not specialize in covering what is known as “high risk drivers,” or those who have bad marks on their driving record. If so, you need to find one that does, because rate increases can stay in place for as long as the driving incident is on your record (typically three to seven years). That can be a long, and very costly time to be with the wrong insurer.

In addition to shopping around, taking a safe driving course, improving your credit score, and taking another look at your discount eligibility are just some other ways you can help lower your rate.

Learn more here.

How New and Teen Drivers Can Save

A driver’s age and amount of experience are additional factors insurers use to determine rates.

Young, especially teen drivers often see some of the highest auto insurance prices. Statistically, teens are more likely to engage in distracted or impaired driving, especially at nighttime and with other teenage passengers in the car. Inherently, teen drivers also have a lack of experience behind the wheel. Taken together, teen drivers are more likely to be involved in car crashes (versus middle-aged adults) and are thus more costly for insurance companies to cover. For these reasons, car insurers typically categorize teen drivers as “high risk,” which is why rates can be so high.

New drivers, especially those age 25 are older, will not often see the high rates of teen drivers. The lack of experience and insurance history, however, can mean that rates can typically be higher than a more experienced driver.

There is no way for a teen or new driver to gain driving experience overnight. However, there are certain ways to make sure you get the lowest rates possible. First, make certain you shop around and compare carriers that specialize in teen drivers using Cheapest-Auto-Insurance.com. Additional ways teen or new drivers can lower their rates include taking a safe driving course, having good grades, or getting on your parent’s or a more experienced driver’s policy.

Learn more here.

How Safe Drivers Can Save Even More

Drivers with no tickets, no at-fault accidents, and no DUIs tend to enjoy the lowest rates. Insurers categorize such drivers as having a “low-risk driver profile,” meaning they are least likely to be involved in costly accidents. For this reason, insurers tend to reward such drivers with low premiums.

However, not every insurer specializes in insuring safe drivers. What is worse that your current company could have increased your rates, even though your record is consistently clean, while another driver almost exactly like you is paying far less with another company for the same coverage. In other words, even safe drivers can benefit from shopping around. Cheapest-Auto-Insurance.com has relationships with carriers who specialize in and reward safe drivers with the lowest rates, including safe driver discounts.

Learn more here.

Whether you have a perfect driving record, are a young driver, or have a bad driving record, Cheapest-Auto-Insurance.com is determined to find you the best price. Our technology and direct relationships enable us to find the right insurers looking for and offering drivers just like you the low rates at this very moment. Enter your zip code to compare quotes and save big!

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