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Can Insurance Rates Go Down?

We all love to drive. But no one loves paying large insurance bills. Fortunately, your auto insurance rate at the beginning of your driving career shouldn’t be the rate you pay forever. There are countless factors that can lower the price you must pay to protect your vehicle, your well-being, and your passengers while on the road. Drivers appreciate that the actions they take and the experience they acquire can decrease the amount of their auto insurance in Newark, DE.

Age & Experience

A driver’s age is one of the most important factors to consider when determining insurance rates–and not simply for the obvious reasons. A person’s age is tied to more than just a number. Typically, as people grow older, they advance in their careers, get married, buy a home, start families, and even acquire other forms of insurance–all signs that he or she is becoming more responsible. Insurance companies are more likely to offer lower rates to individuals that have proven their reliability and sound decision-making skills. Likewise, your credit score and its significance contribute to the price you’ll pay for auto insurance.

Claims & Driving History

But it’s not all about age. Your track record as a driver is also a major factor when it comes to lowering your insurance rates. Drivers with zero or few claims can typically expect to see their rates drop as a reward for safe road usage. An insurance company will also look at how you use the vehicle, the training you received, and the amount of miles you expect to put on the vehicle. At the end of the day, the best way to decrease your auto insurance rates is to exercise safety and caution whenever you’re behind the wheel.