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Surprising Things That Can Raise Your Car Insurance

Written by Jared Staver

Read Jared's Bio

Jared Staver is a Personal Injury Lawyer based in Chicago, Illinois and has been practicing law for over 20 years.

Jared Staver

CATEGORY: Auto Accidents


It’s not unusual to have your car insurance rate increase if you collect too many speeding tickets or you have been in a couple of car accidents. But, there are a number of factors that car insurance companies consider when determining what your insurance rate should be. To learn more about what can raise your car insurance, continue reading below.

If you were injured in a car accident, you may be wondering if and how your car insurance will increase. To speak with a skilled lawyer, contact Staver Accident Injury Lawyers, P.C. today at (312) 236-2900 to schedule a free consultation. We have helped numerous drivers get the compensation they deserve for a car accident that wasn’t their fault, and we can help you too.

Factors That Can Raise Your Car Insurance

Consumer Reports released a study that reviewed the excuses car insurance companies give when they raise your car insurance rate. Several reasons that your car insurance rate can increase include:

  • Texting and driving – Besides being deadly, texting while driving can cost you more money. If you are caught texting and driving, not only will you likely get a ticket from the police, but you will also experience an increase in your insurance premium.
  • Poor credit – Having a less-than-ideal credit score hurts your chances of getting a good interest rate on a loan, but it can also affect your insurance premium. Drivers with poor credit ratings pay higher premiums, even if their driving record is stellar.
  • Driving a “green” car – You may think driving green is beneficial, since it saves on gas and leaks fewer environmentally unfriendly emissions into the air. But, the opposite occurs. Consumer Reports found that these green cars cost more than their gas-guzzling counterparts, such as pickup trucks or SUVs.
  • Paying in installments – It can be cost-prohibitive to pay your premium all at once. However, paying a lump sum every year, rather than smaller monthly installments, can save you a significant amount every year.
  • Having a teenage son on your policy – Boys aged 16-18 are considered high-risk drivers, so insurance companies will raise your premiums. Fortunately, your insurance will lower once your son turns 19.
  • Living in an area with inclement weather – Inclement weather like tornados, hail, and intense storms can cause damage to cars. Consequently, drivers who live in severe weather tend to make more insurance claims after inclement weather has hurt their vehicle. To offset all these claims, insurance companies often raise rates.

    Wondering if Your Insurance Rates Will Increase After an Accident? Call Staver Accident Injury Lawyers, P.C.

    While all drivers are required to have car insurance, some may find it too expensive and forgo it entirely. This becomes a big problem if an uninsured driver hits your car and injures you. If this has happened to you, call our lawyers at Staver Accident Injury Lawyers, P.C. right away. We will make sure to hold the negligent driver accountable and fight for the compensation you deserve. To speak to one of our attorneys at no cost, contact us at (312) 236-2900.

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(312) 236-2900
(312) 236-2900
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