Can I get cheaper insurance? No tickets in 17 years.?

https://www.progressive.com/shop/car-insurance-cre...

Credit scores are a big factor. The biggest problem you have is that you do (not) use credit.

Favorable credit factors might include:

• Long-established credit history

• Numerous open accounts in good standing

• No late payments or past due accounts

• Low use of available credit

So when they look at your credit report, they see very little other than your house payments. They want to see a few credit cards out there that you use on a regular basis, pay off each month, and the amount you charge are way lower than “your” available credit.

Look you are smart not to use credit cards, but in your case you need to, if only to charge $100 a month on each credit card to show more accounts in good standing.

Also the best way to look for cheaper insurance is with an agent or broker who does business in many companies, that won’t have to give out personal information to numerous companies.

The only way to tell if you can get cheaper insurance is to get quotes from as many insurance companies as you can bear.

Also.....Paying monthly for insurance is almost always more expensive than paying up front for the longest possible term offered. (6 months or 1 year)

Try getting quotes elsewhere. There are lots of factors in insurance.

There are about 30+ factors that go into your insurance premiums. Besides your credit rating and driving history, some of the other factors include where you live, marital status, your gender, type of car you drive and how much you drive, is the car used for business, type of coverage and deductible amountm rent or own a home, etc.

Yes, there are insurance companies who use driving record as a factor in their rating. All of them do, in fact, and it's a very major factor.

What you need to do is contact an insurance provider or six and ask them for an estimate. The best time to do this is a month or so before your current contract expires, but you can do it any time you want. And yes, there probably is a lower price out there somewhere.

But you can't do it here. Nobody in here can give you an insurance estimate, and anyone who can give you an estimate certainly won't do it in here. That stuff is highly confidential, and this site is highly not.

But wherever you decide to buy insurance, you will almost definitely see the price increase as the years roll on. You're pretty much eligible for the lowest price any insurance company will offer, because you're old as hell and you have a long history of driving like a coward. But there's this thing called inflation, which you may have heard of. The cost of absolutely everything (except our paycheques) goes up every year on a regular basis, and auto insurance is part of absolutely everything.

you are getting along pretty cheap already I just went with na pay by the mile but I only drive about 200 miles per month. I pay $32 plus 5.8 cents per mile for full coverage two driver on a 2011 chevy

As with anything else, YOU need to shop around.

No one here has your insurance information, and no one here is a broker. Go get some quotes on your own time.

You're 52 and can't fill out an online quote form?

It has nothing to do with your credit rating. Insurance is based on risk and the probability of you crashing. Tickets should also not come into the equation. Shop around, you may find cheaper insurance

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