Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.


Vehicles loaded with safety features that tend to be driven by parents or other fairly responsible drivers make up the majority of our least expensive list. “Safety features such as airbags, lane departure, back-up cameras and automatic restraint systems all factor into insurance rates. If these technologies are found to reduce the risk of an accident, it may result in lower premiums for policyholders whose vehicles are equipped with these safety features.” says Michael Barry, spokesperson for the media and public affairs division of the Insurance Information Institute.
Naturally, insurance companies use your driving past as an indicator of how you will drive in the future. It can be difficult to find affordable car insurance if you have a checkered driving history. While it’s very unlikely you will find an insurance company that won’t increase your premium after an at-fault accident or other violation, the degree of the rate increase will vary by company. Let’s compare rate increases for some common violations across major insurance companies.
If you’ve ever compared car insurance rates, you know how many options are available. Depending on a variety of individual rating factors, certain companies will price your insurance differently. You could end up paying more by choosing the wrong company or failing to compare enough companies. We've outlined the factors that go into your car insurance premiums, as well as some tips for how to find the best possible rates. Let’s get started.
If you’ve ever compared car insurance rates, you know how many options are available. Depending on a variety of individual rating factors, certain companies will price your insurance differently. You could end up paying more by choosing the wrong company or failing to compare enough companies. We've outlined the factors that go into your car insurance premiums, as well as some tips for how to find the best possible rates. Let’s get started.
Gender and age: Young (newly licensed drivers) will be the most expensive to insure and statistics show that young males are the worst of the young drivers. Once they have a few years of experience under their belts, rates should start to drop. Statistics show that women overall tend to be involved in fewer accidents so premiums are usually lower for female drivers until they hit middle age, then males and females are basically on par for the cost of car insurance
This coverage reimburses you for the cost of your rental car if your insured vehicle is in the shop or is unavailable due to an accident. You need to have comprehensive and collision on your policy in order to add rental car coverage. In certain states, Esurance offers CarMatch Rental Coverage®, which covers the rental cost of a vehicle comparable in size and body type to your regular ride.
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