October 23, 2010

How Drivers Can Find Their Auto Insurance Scores Online

The auto insurance score that the insurance companies use to figure out your premiums is complicated and changes from one company to the next, as well as from one region to another. However, it is possible for you to find your personal auto insurance online scores by doing a little research. By factoring in certain criteria, you’ll be able to figure out just what your auto insurance score is. Take the following factors into consideration so you can have a better understanding of how personal an auto insurance policy is.

Your Age

According to statistics, the drivers with the greatest risk of having an accident are under 25 years of age. While drivers between 59 and 65 are often the safest drivers. This is one auto insurance score category you cannot change.

Marital Status

Married people are considered a safer risk when it comes to car insurance carriers. Therefore, a married person will pay less for insurance than a single person will.


Believe it or not, where you live may have a very big influence on your auto insurance online scores. If you live in a rural area with little traffic, your premium will be considerably less than if you live in a busy metropolis. Local crime statistics will also play a role in your premium. If you live in a high crime area, you will of course pay more than those who live in areas where locking the door is not the norm.

Vehicle Type

Most people do not realize the type of car they drive plays such a large part in their premiums. Of course, a sports car will cost more, but a 4×4 truck will cost more than a two-wheel drive truck, even if the year make and model are the same. That is because a 4×4 is more likely to be taken off-road, lost or damaged.

Driving Record

Unbelievably, just because you are only asked about the last three years, most online auto insurance companies look at the last 10 years of your driving record to assign your score.

Credit Score

Not as surprising as some points, your credit score plays a big role in your total auto insurance score. A good credit rating will usually result in a lower rate even for those with a blemish or two on their driving record.

There are several other factors that contribute in making up your car insurance premium. Things like occupation, education level, how many miles you may drive per year, and even how long you have been driving. Understanding the different factors can help you to save money.