Why can’t I find cheap car insurance?

Finding cheap car insurance can be affected by your driving record, your vehicle, where you live, and how long you've been a driver. Compare rates to find the cheap car insurance you're looking for.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 31, 2021

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Here's what you need to know...

  • Your driving record could affect your car insurance rate
  • Newer cars can drive up the price of your car insurance
  • How long you have had your license can cause high car insurance rates
  • The area you live in could keep you from finding cheap car insurance

Getting some outrageous car insurance quotes? You’re not alone. There could be many factors keeping you from finding cheap car insurance.

Make sure you’re getting the best rate possible! Compare rates side-by-side to make sure you’re not overpaying.

You Bought a New Car

Are you shopping for new insurance quotes for the new car you just recently purchased? If you are, you may be finding that the insurance quotes you are getting aren’t very pretty.

It’s not likely that you’ll find cheap auto insurance on a newer model car. New car parts are more expensive to replace than older model parts.

A good way to help cushion the blow is to mention all the safety features your new ride has. That way your insurance company can see what kind of vehicle safety discounts are available to you.

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You are a New Driver

Being a new driver doesn’t necessarily mean that you are a young driver. There are some adults who don’t or can’t get their driver’s license until later. The downside to this is that you have less driving experience under your belt, thus higher insurance prices.

The good new is that as you have had your license longer, you will see a decrease in the price of your car insurance.

Car insurance rates are not friendly to those who are under 25, as you may already be finding out. Even if you have a clean driving record and good credit, you may be having a hard time finding a decent rate.

There isn’t much you can do except wait it out. If at all possible, look into getting on a parent’s policy or someone who is an experienced driver. It also helps if you are married. Married couples can join policies and receive a multi-car discount which will help with some savings!

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You Were Recently in an Accident

Having an accident on your driving record can drastically increase your car insurance rates. The amount of increase depends on the company and whether or not you were at fault for the accident.

  • At-Fault Accidents – Being at-fault in an accident can have the biggest impact on your driving record. The length of time that this will affect your insurance rate varies by company, but it usually affects your rate for five years.
  • Not-At-Fault Accidents – Even if the accident wasn’t your fault, your insurance could still be affected. This is when comparing insurance quotes is really important. Every company surcharges for not-at- fault accidents differently. There are some that may not penalize you at all.

Shop around, see what other companies have to offer. If you want to take some preventative measures, see about adding accident forgiveness to your current car insurance policy.

You Have Recent Violations

Good drivers benefit from savings on their car insurance. If you have had any tickets or driving violations on your record within the past few years then it is most likely affecting your insurance rate.

While good drivers receive discounts, drivers with violations sometimes receive surcharges. A surcharge is a charge over and above your insurance premium. The surcharge will vary depending on the type of violation and the insurance company.

The good news is that once those violations fall off of your record, you are eligible for good driving discounts.

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Your Location

Location, location, location! It’s all about where you live when breaking down insurance rates. If you live in a busy city or an area that has high accidents and vehicle theft, you are going to be paying more for your insurance.

Those who live in rural areas usually enjoy the lowest car insurance rates.

If you are considering moving, price out some insurance quotes in a neighborhood you’re looking into. It’s not always possible to choose where you live but if you can, you can save yourself a lot of unexpected premium!

Your Credit Score is low

Yes your credit score can affect your insurance rate. Not every company has the same scoring model, but that pesky score is important in determining what an insurance company may charge you.

Not all car insurance companies rely heavily on credit score so if your score has taken a plummet, do some shopping around! Once your credit is rebuilt, the insurance world is your oyster!

There are many factors that go into determining your car insurance rate. If you are having trouble finding decently priced car insurance, don’t be afraid to ask questions.

Insurance companies and agents are knowledgeable and can help you figure out what you need to do to get your insurance rates lower.

You may not be able to find cheap car insurance now, but it’s possible that with some work you can pay a lower price in the future.

Enter your zip code below and see how much you could be saving on auto insurance.

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