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Standard Car Insurance Rates Do Not Exist


Paying too much for your car insurance? Think you’re missing out on all of the hottest auto insurance deals? Think again. Many policyholders assume that standard car insurance rates really exist. If you think about it, however, the definition of standard car insurance rates is a bit cloudy since a multitude of factors go into determining each driver’s car insurance rates.

A recently published article on reports that standard car insurance rates do not exist: “Using the phrase standard car insurance rates can be a bit misleading since, really, there is no such thing,” the article, Standard Car Insurance Rates: Do They Exist?, states. “Your car insurance rates vary on a number of factors so it is impossible to lump a majority of the same rate into a group and call it standard car insurance rates. Regardless, the best way to find the most affordable auto insurance quotes is to look online.”

Some of those factors include the state you reside in, your driving record, the car you drive, the extent of coverage you opt for, and your insurance score. “Most insurance companies calculate a score that sums up your credit, claims, and payment history,” the article describes in regards to insurance scores. “If you score well you receive more competitive rates and if you score low you will receive higher rates. There is no such thing as standard car insurance rates in the eyes of most insurance companies.”

There are also discounts drivers should be on the lookout for. Even though many drivers are eligible for discounts, they don’t take advantage of them because they don’t know they exist. Talk to your auto insurance agent and ask about any discounts the insurance company might be offering.

With how many different factors go into determining rates, it’s difficult to establish a true definition of standard car insurance rates. Instead of worrying what other drivers are paying for their insurance, focus on yourself. Go to and compare auto insurance quotes or contact a local auto insurance agent today to find out what rates you qualify for.


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