What factors (i.e. speeding tickets, credit rating) will affect your ability to get car insurance?

Let's assume you already have car insurance and you are looking for a company with a lower insurance rate? Will a new car insurance company accept you if you have one prior speeding ticket? How about if you have had one minor fender bender in which you were at fault? What if you have one or two parking tickets? Or a negative credit score?

What factors (i.e. speeding tickets, credit rating) will affect your ability to get car insurance?
Credit score. Geographic location. Driving record. Vehicle type. Prior claims history. Number of vehicles, number of drivers, age of drivers, experience of drivers. Coverage limits.





Most companies will accept you with one minor violation - where you're going less than 20 miles over the speed limit. If you have one accident AND one speeding ticket (minor is relative - in some states, it's under $1,000, others $5,000), you'll have a much harder time getting a competitive quote. A negative credit score will affect your rates in most states, and if it's low enough, in other states the carriers will refuse to write your coverage altogether.





If you combine a low score, at fault accident, and a ticket, you're probably best off where you are right now - or go to Progressive.
Reply:Yes for the most part you will be accepted for one tickey...all of the above factor in. try going to geico, and all the other online sites to get qoutes.
Reply:go to an INDEPENDENT insurance agent, and they can do the shopping for you - they represent multiple companies, and often have better deals than the single company insurance agents do.
Reply:All of the above.
Reply:Auto insurance is rated by moving violations and at fault accidents, some companies use credit as a rating factor. Also if you have prior insurance for at least 6 months will give you a better rate.
Reply:All the things you named will affect your insurance rates. Most companies have several companies (Standard or high risk) and will place you no matter what if you're willing to pay.





In addition to credit, tickets, accidents etc, if you don't have insurance already, that might make your premium higher. Your age, if you are a man, or a young woman might also make it higher. If you have homeowners or life insurance with the same comapany, that might make it lower.