What does each question on a car insurance mean and how does it increase your rate?

March 6, 2017 · Posted in FAQ 
car insurance
NBA 2K5 asked:

For example have you had insurance prior to this and what date it ends.
How much you drive the car.
Also I am 20 and have had insurance my prior rate was 700 for 6 months. I had two at fault accident before that insurance at 18. But only one was really at fault and I have to get proof and the other drops of my record on the 13th of August. I am trying to figure what a estimate of what my car insurance would be for a liability insurance in TX now

Car Insurance Search


4 Responses to “What does each question on a car insurance mean and how does it increase your rate?”

  1. oklatom on April 2nd, 2009 7:24 pm

    Impossible to answer your question. Each company would ask different questions and there is no standard “One size fits all” form that insurance companies use.

    The questions they ask are to establish your risk factor so they can set an estimate of costs, based on what you have told them. Of course once you accept the policy and they run the information, it’s subject to change if you have left something out.

    The best way to find the rates you would be paying is to find an independent agent, one not tied to any one company, give him your needs and information, and let him search his data base for the best company for your specific needs. Good luck with the quest.

  2. Nigel M on April 5th, 2009 5:44 pm

    Get quotes. Different companies and agents will provide different pricing. Ask the agent to explain each line in detail.

    Regarding number of miles – many insurance companies partially calculate risk based on the number of miles the vehicle is exposed to other vehicles, but then include other factors like the more miles you drive without an accident, the less likely you are to have an accident.

    Insurance companies share a certain amount of information.

    You cannot legally have coverage from two companies at the same time, which is why they want to know dates.

  3. Jason S on April 7th, 2009 12:13 am

    Try using to compare car insurance rates for all the major providers in your area.

  4. Dan W on April 7th, 2009 10:01 am

    You can easily compare how your quotes will change in internet, for example here:

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