What are the Primary Factors That Cause My Car Insurance to Go Up?

Jeff Ryan
May 12, 2022

There are plenty and here is a good summary

This question is one that has been asked and re-asked in our agency a number of times. Please see one of my previous answer here:


As a short recap, the major factors influencing the cost of auto insurance are:

  • Credit History or more specifically - Insurance Score
  • Claims History
  • Driving Record
  • Continuous Insurance Coverage
  • Garaging Location


There are some other important factors that include:

  • Your Age
  • Your Gender
  • Your Years of Driving Experience
  • Vehicle Make/Model/Submodel 
  • Coverage Limits 


In addition to the factors listed above, there is another set of factors that can come into play and that have a lesser impact on the cost of  car insurance, including:

  • Your Occupation
  • Your Education
  • Your Previous Limits of Liability
  • Your Marital Status
  • Your Vehicle's Use
  • Your Miles Driven Annually


Have additional questions about your auto insurance and how you may be able to save money? Please feel welcome to contact us by dialing (607)324-7500, or via any of the information found by clicking here,



-------------------------------

“Ask Jeff" is a weekly post made on the RyanAgency.com Blog. 

Submit an insurance-related question to “Ask Jeff”. 

-------------------------------

This article may have been originally published at Quora.com.

To see Jeff's Quora.com profile click here.

According to a recent survey, only 37% of renters have renters' insurance
By Jeff Ryan - CLU, ChFC, AIA, CIC, CPCU 02 May, 2024
According to a recent survey, only 37% of renters have renters' insurance, leaving the majority at risk of financial loss. With the low cost to transfer your risks of loss, there's never been a better time to consider tenant insurance.
Personal injury is different from bodily injury and is treated as such by homeowners' liability form
By Jeff Ryan - CLU, ChFC, AIA, CIC, CPCU 20 Mar, 2024
Personal injury is different from bodily injury and is treated as such by homeowners' liability forms. Learn more>
What's with All These Annoying Insurance Audits
By Jeff Ryan - CLU, ChFC, AIA, CIC, CPCU 09 Mar, 2024
The purpose and importance of annoying insurance audits for determining the appropriate rate for your business
What does Bait-and-Switch have to do with insurance? And why has it recently been in the news?
By Jeff Ryan - CLU, ChFC, AIA, CIC, CPCU 20 Feb, 2024
What does Bait-and-Switch have to do with insurance? And why has it recently been in the news?
Top 3 Insurance Tips to Close out 2023
By Jeff Ryan - CLU, ChFC, AIA, CIC, CPCU 27 Nov, 2023
The insurance landscape is currently facing unprecedented challenges. At The Ryan Agency, with over 60 years of service to our community, we understand that this might be the toughest insurance market yet.
When your car is hit while parked and unattended, it's important to know your options. Here are som
By Jeff Ryan - CLU, ChFC, AIA, CIC, CPCU 08 Nov, 2023
When your car is hit while parked and unattended, it's important to know your options. Here are some steps you can take to protect yourself and get your car repaired.
Understanding Insurance Responsibility After an Accident: Who Pays for What? Delve into the intricac
By Jeff Ryan 30 Oct, 2023
Understanding Insurance Responsibility After an Accident: Who Pays for What? Delve into the intricacies of insurance responses when accidents occur.
Discover the Evolution of New York's Supplemental Spousal Liability Insurance Coverage and its Impac
By Jeff Ryan - CLU, ChFC, AIA, CIC, CPCU 20 Aug, 2023
Discover the real history of New York's Supplemental Spousal Liability Insurance Coverage and its Impact Today.
The E-Bike Insurance Dilemma. You’ve got questions, we’ve got answers.
By Jeff Ryan 28 Jul, 2023
As electric bikes soar in popularity, questions about insuring them become essential. Discover the options for coverage and how E-Bike insurance differs from traditional policies. Get expert advice on the best ways to protect your investment.
Understanding the Distinction: Employee vs Independent Contractor
By Jeff Ryan 20 Jul, 2023
Unlock the Secret to Employee Classification: Protect Your Business, Avoid Costly Consequences. Discover the key to proper classification and safeguard your future.
More Posts
Share by: