Comments on: Low Auto Insurance Rates: the Secret to Getting Cheap Car Insurance

By: Kevin W

Kevin W — Tue, 17 Nov 2009 15:31:08 +0000

It really depends on the insurance company. In most cases no, but some of them can be pretty strict.

By: Danno

Danno — Tue, 17 Nov 2009 09:41:58 +0000

Welcome to the club! We have tried a few and changed to one that saved us over $1500.00 per year. We tried all the others and got so many quotas it made our head spin. So for the last 5 years we have been with AARP Hartford Ins. We have two boys on the policy, one 21 and the other is 17 with three cars. The type of car has very little to do with insurance rates. It is mostly figured on the people driving. A good example of this is to indicate that if you rent a vehicle and you contact your insurance company they will tell you not to buy the extra insurance because you "YOU" are insured and therefore what ever your policy is will cover you in the rental. Our policy for 3 cars and 4 drivers; Mon, dad, boy 21 and boy 17 with AARP in the State of Texas is just under $1500.00 a year. Progressive wanted over $1500.00 a year to one boy. With AARP you will have to become a member and the fee there is $12.00 — well spent money..

By: Carolanne M

Carolanne M — Mon, 16 Nov 2009 07:06:41 +0000

the best way to compare and get the best you can is to call a local independent agent in your area. stay away from quoting yourself online unless you are an agent or REALLY understand insurance. most sites will come back with a different premium once you actually take out the policy and its usually not to your advantage. having an actual person locally is ALWAYS a good idea.

By: Keenan H

Keenan H — Sun, 15 Nov 2009 21:25:00 +0000

your friend is right, its a myth. your rates get lower the longer you are licensed and have a clean driving record.

By: Nynavey

Nynavey — Sun, 15 Nov 2009 15:24:34 +0000

whether you're against it or not, it's a factor. and sorry, i dont know of ANY companies out there that don't use it. i know about 99% use credit scores, so good luck finding the one or two that havent jumped on that wagon… yet.

By: Drake

Drake — Sun, 15 Nov 2009 03:28:53 +0000

They don't EVERYWHERE – in MA, for example, women and men pay the same for auto insurance, just like they pay the same for life insurance, even though men are more likely to die sooner. Gender basis for rates vary by states. MA prohibits having different rates based on gender.

In states that DO allow different rates based on gender, it's because they've found a corrolation between claims payout and gender – just like they charge more for 16 year old drivers, and just like they charge more for someone with 2 DUI's.

It's all about the numbers. If there wasn't a corrolation, the states' insurance departments wouldn't allow the rate difference.

By: rpm89746

rpm89746 — Sat, 14 Nov 2009 21:40:56 +0000

don't ask us, ask the gecko.

By: adopted

adopted — Sat, 14 Nov 2009 07:10:31 +0000

It is a difference as you were in control of the vehicle. Being on the roadway makes it a not at fault accident. In the parking lot, it is just a hit and run. It would be like whether or not you were parked at your house or driving down the road. Either way, you rates should not go up at all. It was a not at fault accident that you would couldn't control. If your rates do go up, I suggest finding a company that will not raise your rates if you have an accident that is not your fault.

By: murf1179

murf1179 — Sat, 14 Nov 2009 05:57:10 +0000

You can compare how the insurance quotes would change, for example here – carinsurance.yoll.net