5 Unusual Things that Raise Your Car Insurance Rates


You're Single

Married people seem to have all the luck. Statistically, they live longer. Plus, studies show married people (and, incidentally, anyone with a solid credit rating) are much less likely to get into accidents or incur other driving violations than their single counterparts [source: J.D. Chapman Agency, Inc.]. Furthermore, if a married person does get into an accident, it's likely to be less costly than one a single person would be involved in. Not surprisingly, some insurance companies react to these statistics by hiking the rates of their single clientele, regardless of their driving history [source: J.D. Chapman Agency, Inc.]. Who's coming out on top in terms of insurers' risk assessments? Well, the lowest risk group, it seems, is comprised of married, middle-aged women who don't smoke [source: All Insurance Info].

Author's Note: 5 Unusual Things that Raise Your Car Insurance Rates

I just can't catch a break with this insurance stuff! After researching a few other insurance articles over the past few weeks, I realized it was time to drop the collision and comprehensive coverage we were carrying on two older vehicles. Score -- more money! But during my research for this piece, I learned insurers raise rates on drivers once they hit 50. Guess who just turned 50? I can't win. I just can't win.

Related Articles


  • All Insurance Info. "Factors Affecting Auto Insurance Rates." (March 6, 2012) http://allinsuranceinfo.org/auto/rates.html
  • Auto Insurance. "Factors that Determine Your Auto Insurance Rates." (March 16, 2012) http://www.autoinsurance.org/factors-that-determine-your-auto-insurance-rates/
  • Car Insurance Comparison. "When does car insurance go down?" (March 16, 2012) http://www.carinsurancecomparison.com/when-does-car-insurance-go-down/
  • Casey, Craig. "19 reasons why car insurance premiums increase." 4 Car Insurance Quotes. (March 13, 2012) http://www.4carinsurancequotes.com/premium-increases.htm
  • Dykman, April. "Traffic Violations and Your Auto Insurance." Fox Business. June 21, 2011. (March 13, 2012) http://www.foxbusiness.com/personal-finance/2011/06/21/traffic-violations-and-your-auto-insurance/
  • Environmental Defense Fund. "Drive less, pay less for insurance." (March 13, 2012) http://www.edf.org/transportation/policy/pay-as-you-drive-insurance
  • Hanks Car Insurance. "Do Married Couples Pay Less for Car Insurance?" (March 13, 2012) http://hankscarinsurance.com/do-married-couples-pay-less-for-car-insurance/
  • Insurance. "Cheap auto insurance: Find cheap car insurance in 8 easy steps." Feb. 18, 2011. (March 13, 2012) http://www.insurance.com/auto-insurance/cheap-car-insurance.html
  • Investopedia. "Will Filing An Insurance Claim Raise Your Rates?" Aug. 13, 2008. (March 13, 2012) http://www.investopedia.com/articles/pf/08/claim-raise-rates.asp#axzz1ovxwkSz8
  • J.D. Chapman Agency, Inc. "Frequently Asked Questions." (March 13, 2012) http://www.jdchapmaninc.com/faqs.html
  • MSN Money. "2 Things Your Auto Insurer Won't Tell You." (March 13, 2012) http://www.badfaithinsurance.org/reference/PC/0027a.htm
  • MSN Money. (Article reported by Chris Kissell for Insurance.com.) "Pay-as-you-go insurance on the rise." Sept. 15, 2011. (March 13, 2012) http://money.msn.com/auto-insurance/pay-as-you-go-insurance-on-the-rise-insurance.aspx
  • My Car Insurance Rates. "Why Auto Insurance Rates Increase." (March 16, 2012) http://www.mycarinsurancerates.com/why-auto-insurance-rates-increase/
  • New York Car Insurance. "Why do New York Car Insurance Carriers Raise my Rates?" (March 13, 2012) http://www.newyorkcarinsurance.com/why-insurance-carriers-raise-rates.html
  • NHTSA. "The Scope of the Issue." (March 16, 2012) http://www.nhtsa.gov/people/injury/olddrive/CommMobilityDementia/pages/ScopeOfIssue.htm
  • Roberts-Grey, Gina. "Auto insurance premiums tied to credit score." Daily Finance. Jan. 29, 2010. (March 13, 2012) http://www.dailyfinance.com/2010/01/29/auto-insurance-premiums-tied-to-credit-score/
  • Woodyard, Chris. "Are seniors or teens safer drivers? The surprising answer." USA Today. May 20, 2010. (March 16, 2012) http://content.usatoday.com/communities/driveon/post/2010/05/are-seniors-or-teens-safer-drivers-the-answer-may-surprise/1#.T2QBN3nNmkY


Is your car over-insured?

Is your car over-insured?

Is your car over-insured? Learn how to tell if your car has too much insurance at HowStuffWorks.