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Car Insurance Question

Posted by on Jul. 8, 2013 at 5:06 PM
  • 13 Replies
Who would get the cheaper rate? 23 year old who has had a license for over 3 years (4 years in October) or a 26 year old who has had a license for 2 years (3 years in September)?
by on Jul. 8, 2013 at 5:06 PM
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Replies (1-10):
notjstasocermom
by Samantha on Jul. 8, 2013 at 5:11 PM

not enough to factors to tell.

shaunaleigh418
by Platinum Member on Jul. 8, 2013 at 5:12 PM
What else should I include?

Quoting notjstasocermom:

not enough to factors to tell.

notjstasocermom
by Samantha on Jul. 8, 2013 at 5:19 PM

why not just get online and get quotes? we have no idea.

morrigan914
by Silver Member on Jul. 8, 2013 at 5:20 PM
It depends on driving history, but after 25 you get a discount
JustMe0326
by Platinum Member on Jul. 8, 2013 at 5:21 PM
Just based off of that, the 26 year old. Rates drop at age 25.

But insurance rates are also based off of accidents, tickets, if there is anything else that's insured like a home or a boat that would give a multi-policy discount, etc etc. You can't just base it off of age.
MissTacoBell
by Taco Bell Princess on Jul. 8, 2013 at 5:22 PM
Male or female? What area?
cLanief
by Gold Member on Jul. 8, 2013 at 5:22 PM
Depends on car, area, age, sex, driving record, and even sometimes credit.
shaunaleigh418
by Platinum Member on Jul. 8, 2013 at 5:30 PM
23 year old female; 26 year old male. New Jersey. It's me and my husband. We have clean records. I stay at home, he's a Police Officer if that makes a difference.

Quoting MissTacoBell:

Male or female? What area?
LADYxGHOST
by Member on Jul. 8, 2013 at 5:46 PM
1 mom liked this

factors that affect rates are gender, age, marital status, driving history, type of car being driven( if the car is 2 door, 4 door or more, commonly stolen, overall value of the car), miles per year the car is being driven, area the care is being stored and in some area area in which you drive if you opt into that option.  Age and years driving are not nealry enough to figure out who would have a cheaper rate. Most insurance companies factor in age and gender similary and woman have higher rates then men with same driving record.  Some insurance companies offer discounts for different occupations, but those usually are insurance companies that market to that occupation.

The best way is to get an actual quote.

crwspringer
by Platinum Member on Jul. 8, 2013 at 5:52 PM
Probably about the same. They also factor your credit history in there too.
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