Many factors can make your auto insurance continue to increase.

Insurance rates go up for all different kinds of reasons, some of the reasons you can control and some you cannot. Factors such as other driver’s unsafe driving, weather and the economy are all factors that you have no control over.

But, the one thing that you can control is your own driving habits, which is the one factor that is what causes auto insurance increases the fastest.

The Economy Increases Auto Insurance

While this one can’t be seen immediately it does have an effect on your insurance premiums.  An insurance company usually doesn’t just have their business dealings in auto insurance. They have investments, they are insuring businesses and homes and they themselves are usually owned by stock holders.

So when the economy takes a down turn and stocks start to fall, businesses fail and homeowners stop paying their insurance premiums insurance companies start to lose money. They have to still turn a profit so that their own stock holders don’t start selling their stock and they do this by raising rates on the clients they still have, including car insurance customers.

Statistics Increase Auto Insurance

Insurance is all about numbers and insurance companies love statistics.  Statistics show what categories of drivers are the safest, what geographic locations have the highest theft rates and what credit ratings are most likely to commit insurance fraud. A negative change in the statistics of any of the categories that you are in can make your insurance go up at your next renewal.

Other Drivers Increase Auto Insurance

Your driving record is not the only driving record that can make your insurance premiums go up. Drivers that are not even insured with your insurance company have a large impact on making insurance premiums go up, especially uninsured drivers. When an uninsured driver hits another driver that is insured with your insurance company, your insurance company has to pay out for the damages for their driver (if there is coverage).

This means that there is no other insurance company to reimburse your insurance company and getting the money that was paid out for the accident from the other person can take a long time. So to make up for the money they had to pay out, they increase everyone’s premiums.

You Make Auto Insurance Increase

The only factor that you have any real control over is your own driving habits and how safe of a driver you are. Drivers that cause accidents and are ticketed for unsafe driving are going to be charged higher insurance rates. Insurance companies want to collect as much premium as they can on these unsafe drivers before they cause the accident that they are at high risk to.

Driving safe and obeying traffic laws will keep your insurance premiums down. Also if you are a good driver and go a certain period of time without a ticket or an accident, not only will you be paying lower rates, you could also qualify for good driver discounts that could decrease your premiums even further.

This vehicle will see a change in its insurance premium if it moves from one state to another.

The price of auto insurance is determined by many different factors. It can go up or down depending on your age, driving record, credit score, the type of car you drive and also your gender. But, did you know that how much you pay for car insurance also depends on where you live?

When an insurance company sends a request for the base premium for a state or specific area to the state Insurance Commissioner, they are using the statistics of claims filed or potential for claims being filed in a location. They want to make sure that they are not going to pay out more in claims payments then they are going to be collecting in premium. So if a certain location has a higher chance of having a claim, they want to make sure that they are charging a high enough premium.

Crime Rates

The crime rate in your state can have an impact on your insurance premium, specifically car thefts and vandalism. If you live in a state where you have a higher chance of getting your car stolen or damaged, the higher your insurance premiums will be to offset the claim payout of having to fix or replace your vehicle.

Liberal Monetary Awards

We have all see commercials for personal injury lawyers advertising their services to obtain financial compensation for those that have been injured in an accident. The high awards that these lawyers get for their clients end up increasing the premiums for everyone.

In the states that have judges that award higher monetary compensation and also have more lawyers advertising their services to help obtain these high awards, like Louisiana, they see the highest premium increases due to this factor.

Weather

You never know when Mother Nature is going to get ugly and cause damage. Statistically there are states, such as Oklahoma, that have a higher chance of seeing this happen than others and insurance companies keep track. States that are in “tornado alley”, flood prone states and severe weather states all have their premiums increased to compensate for the likelihood of a weather related claim.

Uninsured Drivers

Even though there are laws protecting those of us that are insured from them, uninsured drivers are everywhere. Not only are they a higher danger to us on the road, they are also one of the causes of our increased auto premiums. Because a driver that is not insured has no insurance company to pay for the damages that they cause, the victim’s uninsured motorist or collision coverage has to pick up the bill. This uncompensated claim payout then is spread out through all of that insurance companies customers for them to pay for in the form of higher premiums. Statistically some states have higher numbers of uninsured motorists driving up insurance premiums.

State by State Case

While the insurance premiums can even vary within a specific state due to all of the above factors, there isn’t the room or the time to cover every single town and city across the nation. So instead we have provided the chart below for you to compare where your state stands in average premium rates.

Data courtesy of Insure.com

Finding the Best Rates in the Keystone State

Looking for the cheapest car insurance in Pennsylvania?

It could be difficult – especially if you had to call every company in the state. Getting quotes from 30+ carriers would be a pain. But don’t worry. We’ve done all the hard work for you.

Our sample rates give you a good idea of what companies charge, compared to each other, in the Keystone State. The list compiles 20 cheap car insurance companies. Notice I didn’t say ‘best’, I just said cheap.

Every driver is different. What you see below is a sample of male and female drivers throughout the state. Quotes listed are for more than the minimum auto insurance package required by law in Pennsylvania. In other words, if you get minimum liability limits from these companies, you might pay less money than what’s listed below.

Also, prices listed are NOT the same as the price you will receive from the companies below. These are NOT actual quotes from insurers. This list should serve as a general guide to help you shop – to help narrow your choices when shopping for car insurance in Pennsylvania.

*NOT an exhaustive list of PA insurance companies. Companies listed are those with the largest market share, according to the Pennsylvania Department of Insurance.

Note:

*NOT an exhaustive list of PA car insurance companies. Companies listed are those with the largest market share, according to the Pennsylvania Department of Insurance.

Rates collected in 2008.
All data is courtesy of the Pennsylvania Department of Insurance.
For more information, view our Disclosure.

Crusin' for Cheap Car Insurance in Ohio

Looking for cheapest car insurance in Ohio?

Getting quotes from 50+ car insurance carriers would be a waste of a good weekend.  But don’t worry.  We’ve laid the groundwork for you. Our sample rates from Ohio give you a good idea of what insurers charge their customers.  The list compiles 25 cheap car insurance companies.  Notice how I didn’t say ‘best’, I just said cheap.

Every driver is different.  What you see below is a sample of male and female drivers throughout the state, ages 19-70.  Quotes listed are for more than the minimum car insurance package required by law in Ohio.  In other words, if you get minimum liability limits from these companies, you might pay less money than listed below.

Prices listed are NOT the same as the price you will receive from the companies below. In addition, these are NOT actual quotes.  This list should serve as a general guide to help you shop for car insurance in Ohio.

Rates published in April 2008.
All data is courtesy of the Ohio Department of Insurance.
For more information, view our Disclosure.

Did She Find the Cheapest Car Insurance in New York?

Your goal: the cheapest car insurance in New York.

Just think if you had to call every car insurance company in the city. If you called 30+ insurers, it would be a waste of a good Saturday. But don’t worry. We’ve done the hard work for you.

Our sample rates in six separate categories of drivers gives you a good idea of what companies charge for premiums. Our list compiles the 25 cheapest car insurance companies in New York. I didn’t say ‘best’, I just said cheap.

Bear in mind, every driver is different. What you see below is a sample of drivers ages 20-69, both male and female. Prices listed are NOT the same as the price you will receive from the companies below, even if you just get liability coverage.

In addition, these are NOT actual quotes from these companies. This is a general guide to help you shop for car insurance in New York.

Rates collected in 2007-2008.
All data is courtesy of the New York State Insurance Department.
For more information, view our Disclosure.

She could save money on her auto insurance in Texas.

The cheapest auto insurance in Texas: that’s your goal.

However, finding it could be difficult – especially if you have to call 40+ companies.  But don’t worry.  We’ve done the hard work for you.  Taken from our sampled rates for five separate categories of drivers throughout the state, we’ve compiled a helpful list of Texas insurers.  Notice I didn’t say best – I just said cheap.

Keep in mind, every driver is different.  What you see listed below is a sample of drivers ages 18-64, both male and female.  Prices listed will NOT be the same price you get from the same company, even if you just get liability coverage.

In addition, these are NOT actual quotes.  It’s just a general guide to help you shop auto insurance – to help narrow your choices.

I hope it helps.

Rates collected in 2007-2008.
All data is courtesy of the Texas Department of Insurance.
For more information, view our Disclosure.

Texas State Capitol in Austin

If you’re looking for the best auto insurance rates in Texas, you’ve come to the right place.  If you’re a male or female in your mid-30s, even better.

No doubt it would be downright painful to get quotes from 40+ car insurance companies in Texas.  But rest easy.  We’ve done the hard work for you.

We put together the best rates for clean, 35-year old men & women drivers according to the Texas Department of Insurance.  That means drivers who haven’t had any accidents or tickets for the past 3 years. In addition these only show prices for liability coverage.  One more thing: this is not comprehensive research, but sample rates from five different cities in the Lone Star State.

Every driver is different.  Prices listed are NOT the same as the price you will receive from these companies below, even if you just get liability coverage.  In addition, these are NOT actual quotes.  This is a general guide to help you shop for the best car insurance rates in Texas.

I hope it’s helpful to you.

Rates collected in 2007-2008.

All data is courtesy of the Texas Department of Insurance.

For more information, view our Disclosure.

California State Capitol

Looking for the cheapest car insurance in California?

If you had to call every insurance company in California, it would be time-consuming task.  But don’t worry.  We collected rates from 40+ insurers and saved you a bunch of time.

Taken from our sample rates in six separate categories of drivers, we’ve compiled a helpful list from the Golden State.  I did not say ‘best’, I just said cheap.

Bear in mind, every driver is different.  What you see below is a sample of drivers ages 20-55, both male and female.  Prices listed are NOT the same as the price you will receive from the companies below, even if you just get liability coverage.

In addition, these are NOT quotes from these companies.  This is a general guide to help you narrow your choices when shopping for car insurance.

Note:

Rates collected in 2007-2008.
All data is courtesy of the California Department of Insurance.
For more information, view our Disclosure.

California Driver

If you’re looking for the cheap car insurance rates in California, you’ve come to the right place.  If you’re a male between the ages of 35-55, even better.  If you don’t fall into that category, check out our article on the cheapest car insurance in California here.

It’s downright painful to get quotes from 40+ car insurance companies.  But rest easy.  We’ve done the hard work for you.

We compiled the best rates for clean drivers according to the California Department of Insurance.  That means male drivers (35-55) who haven’t had any accidents or tickets for the last 3 years. In addition we only show prices for liability coverage.  These are just sample rates from five different areas of the state.

Still, every driver is different.  What you see below is a sample of male drivers ages 35-55.  Prices listed are NOT the same as the price you will receive from the companies below, even if you just get liability coverage.  In addition, these are NOT actual quotes.  This is a general guide to help you shop for the best rate in California.

I hope it’s helpful.

Rates collected in 2007-2008.
All data is courtesy of the California Department of Insurance.
For more information, view our Disclosure.

Waiting for a light in NoCal.

Trying to find cheap car insurance in California?  You’ve come to the right place.  If you’re a female driver between the ages of 35-55, you’re in luck.  Don’t fall into that category?  No problem.  Check out our article on cheapest car insurance in California.

It’s pretty hard to get quotes from 40+ insurers in the State.  Why call all those companies when you could be at the beach?  But rest easy.  We’ve done the hard work for you.

We compiled the best rates for female drivers who are clean according to the California Department of Insurance.  That means female drivers, ages 35-55 who haven’t had any accidents or tickets for the last 3 years. In addition these rates only show prices for liability coverage.  Another caveat: it’s just a sample rate from five different areas in the state – it’s not a comprehensive price comparison from all areas.

Still, every driver is different.  What you see below is a sample of female drivers ages 35-55.  Prices listed are NOT the same as the price you will receive from the companies below, even if you just get liability coverage. In addition, these are NOT actual quotes.  This is a general guide to help you shop for the best car insurance rate in California.

I hope it’s helpful.

Rates collected in 2007-2008.
All data is courtesy of the California Department of Insurance.
For more information, view our Disclosure.