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What Impacts Your Car Accident Insurance Rates?

December 20, 2021

FLORIDA - According to an article published on, the following things impact your auto accident insurance rate, where you live, your credit score, and your driving record.*

Where You Live - One of the largest factors in determining car accident insurance is the state in which the insurance customer lives.  If you live in a large metropolitan area with high accident and crime rates, you will likely pay a higher premium for your auto insurance than drivers who live in smaller communities with low accident and crime rates.  

Credit Score - The better your credit score, the lower your car accident insurance rate will be.  According to a study conducted by The Zebra, drivers who have very poor credit scores pay about 115% more than those drivers with exceptional credit scores.  You may be able to reduce your auto insurance rate by 17% when you improve your credit score.  Some states do not permit insurance companies to use credit scores when determining a driver's insurance rates. 

Driving Record - You can receive a very low auto insurance rate by not drinking and driving, observing posted speed limits, and obeying traffic laws. 

In general, it is a good idea to shop car insurance quotes to get the best rate.  It is also important to obtain high amounts of coverage to better protect you financially should you cause an auto accident with injuries to others or should someone hit you who did not have a large amount of coverage to cover your injuries or property loss. 

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If you have been injured or lost a family member due to an accident, contact Montlick & Associates, Injury Attorneys, for your free consultation today. Our law firm has been representing those who suffer serious injuries or lost a loved one in an accident for over 39 years.  Our trial attorneys have recovered billions of dollars for our personal injury clients through negotiated settlements, litigation/lawsuits, settlement of lawsuits, jury verdicts, mediation, and arbitration awards.

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Category: Auto Accidents

Please Note:
All information provided by our blogs is general in nature and should not be relied upon as legal advice. Consult a Montlick attorney for details about your unique situation.