Car Insurance
Does Credit Score Affect Car Insurance Rates? 2026
Quick answer: Yes, in 46 states, your credit score significantly affects your car insurance rates. Drivers with poor credit (below 650) pay...
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Car Insurance
What Factors Affect My Car Insurance Premium? 2026
Quick answer: Your car insurance premium is determined by 15+ factors including your driving record (25–40% weight), age and experience (15–25%),...
Car Insurance
How Long Are You Considered a New Driver for Insurance?
Quick answer: You're considered a "new driver" for car insurance purposes for 3–5 years after getting your license, depending on the insurer....
Car Insurance
What Is a Good Student Discount for Car Insurance?
Quick answer: A good student discount reduces car insurance premiums by 8–25% (typically $200–$500/year) for young drivers who maintain at least...
Car Insurance
Should a New Driver Be on Parents' Insurance?
Quick answer: Yes, new drivers should almost always be on their parents' insurance policy—it's 50–70% cheaper than buying a separate policy....
Car Insurance
How Can a Teenager Get Cheaper Car Insurance?
Quick answer: Teenagers can get cheaper car insurance by staying on their parents' policy, earning good student discounts (B average or higher),...
Car Insurance
Why Is Car Insurance So Expensive for New Drivers?
Quick answer: Car insurance is expensive for new drivers because they lack driving experience, statistically have higher accident rates, and...
Car Insurance
What Is a Disappearing Deductible?
Quick answer: A disappearing deductible (also called a vanishing deductible or deductible reward) is a feature offered by some insurers that...
Car Insurance
Can I Change My Car Insurance Deductible Anytime?
Quick answer: Yes, you can change your car insurance deductible at any time—you're not locked in until renewal. Most insurers allow changes...