Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: May 29, 2019

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No matter where a person is in their life, odds are they are concerned with sticking to a budget.

While certain bills like a mortgage, childcare costs and monthly utility bills can be hard to manage, car insurance can be the one expense over which policyholders are able to have more control.

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Many different things determine a person’s car insurance rates. Some of these factors are lifestyle and driving history.

Even if these two factors do not work in the driver’s favor, there are things the driver can do to qualify for car insurance discounts to decrease their premium rate.

How does lifestyle affect a person’s car insurance rates?

Everything from age, where a person lives, and what type of car they drive can affect their car insurance rates. The first and most obvious factors a car insurance provider looks at when determining the policyholder’s premium are age and sex.

Age plays a major role because young drivers are thought to be less experienced and more likely to take extra risks while driving. Because of this young drivers will always have higher car insurance rates than someone middle aged.

On the opposite end of the spectrum, an elderly person will most likely see their car insurance rates increase after enjoying years of lower rates.

The driver’s gender also plays a major role for the car insurance providers when they are determining rates. Statistically, male drivers are a greater risk for car accidents than female drivers are.

Men are considered more likely to speed and drive aggressively on the road especially if they are younger so their car insurance rates will be higher.

Where a person lives is also an important consideration for car insurance companies. A person living in a crowded urban area will be charged more for car insurance than someone who lives in a quieter rural town.

In a city, cars are more likely to be vandalized, stolen, or in an accident since urban areas have higher crime rates and more drivers in a smaller area.

Rural areas tend to be safer and more spread out so they are less of an insurance risk.

The type of car a person drives can also greatly affect their car insurance prices. Typically the newer the car, the less the insurance needed to cover it since it has the most up-to-date safety features.

Of course, the more high-end the model of car insured, the higher the rates will be. This is because these cars are more expensive for the insurance company to replace if they are damaged or stolen.

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How does a person’s driving history affect their car insurance rates?

After considering the driver’s lifestyle, the car insurance provider will then look at their driving history. If the driver has multiple tickets, accidents, or a DUI on their record, it will definitely increase their car insurance rates.

Luckily, things like speeding and parking tickets only stay on a person’s driving record for a few years. Accidents and DUI convictions will cause the driver more issues and they may have to choose an insurance provider that offers high-risk driver car insurance.

While this insurance does tend to cost more, it will be less than if a high-risk driver tried to get normal car insurance with their questionable driving history.

What are common car insurance discounts that most people can qualify for?

There are many car insurance discounts that most policyholders can qualify for. The most obvious ones are the ones based off their car’s safety features.

Most car insurance providers offer discounts for cars with alarms and airbags. Luckily, the majority of cars made in the last few decades tend to have these as standard features.

Many people are very concerned with the state of the environment. Many major car insurance providers have even started offering discounts for cars that are more earth-friendly. There are discounts for:

  • Driving a hybrid or electric car
  • Having a car that has been converted to biofuel
  • Having a car that has low emissions

Other ways a driver can get lower car insurance rates is by staying loyal to their car insurance company by bundling their car insurance and another type of insurance (such as life home or life insurance), insuring multiple vehicles, having safety features and more.

Compare insurance rates with our FREE quote tool today!

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