5 Hidden Triggers That Can Raise Your Car Insurance Premiums

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Unexpected factors like credit score dips and increased mileage can raise car insurance premiums. Learn what to do to keep your rates low. [[{“value”:”

When it comes to car insurance coverage, most people know that things like making a claim or getting a speeding ticket can impact your rates. But what about less-obvious causes?

Sometimes, even careful drivers can face rate increases caused by unexpected factors. Here are a few sneaky triggers that can increase your car insurance premiums — and what to do about them.

1. Credit score dips

Your credit score doesn’t just impact the interest rate you’ll pay for a loan; insurance companies in most states use it, too. A dip in your credit score can indicate you’re more likely to file a claim, which could lead to higher premiums. If your credit score takes a hit, it might be worth checking your policy to see if your rates went up.

Monitor your credit score to help keep your insurance rates low. Avoid late payments and pay off credit card balances every month.

Looking for cheaper car insurance coverage? See how much you can save by buying a policy from the cheapest car insurance companies.

2. Gaps in your insurance coverage

You might think gaps in your insurance coverage aren’t a huge deal — especially if you’re not driving. However, insurers might see gaps as risky behavior, and it can cost you money. Even if you don’t own a car or aren’t driving, consider maintaining a non-owner policy to help avoid higher rates down the road.

3. A different zip code

Real estate is all about location, location, location, but it matters for car insurance, too. Relocating to a new area can have a huge impact on your rates because insurers look at stats like crime rates, the average number of accidents, and natural disasters when considering rates. Moving to a state with no-fault insurance laws, which don’t assign blame in an accident, can also cause your rates to soar.

Before you move, consider the insurance costs in your new area. This will help you decide on the right location or at least prepare for the jump in rates. You can also shop around for insurance rates to lock in lower premiums.

4. Estimated mileage changes

The RTO (return-to-office) mandate at your job might cost more than you think. The amount you drive also impacts your insurance rates. If you’re returning to the office after working from home for years or have just started taking more road trips, your insurer might increase your premium to cover the additional risk.

Make sure to keep your insurance company updated about how much you drive, and shop around if rates seem high. If you’re driving less these days, let your insurer know! You may see a slight decrease in your premiums.

Ready to shop around? Compare your options and find the best car insurance rates.

5. Changes in your marital status

Who knew a ring on your finger could impact your car insurance rates? Your marital status can affect your car insurance premiums. Insurers tend to see married couples as less risky drivers, so if you’re recently divorced or separated, you might see a spike in your rate.

On the flip side, getting married can lead to a drop in your premium, especially if you and your spouse decide to bundle your policies. Insurance companies usually offer discounts for multi-policy or multi-car households, which can reduce costs.

Car insurance premiums are influenced by more than you think. Being aware of these hidden triggers can help you avoid unexpected rate hikes. And remember, the best way to lower your premiums is to shop around and compare rates regularly.

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