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Debunking Auto Insurance MythsMyth: Driving a red car will result in higher rates.

Reality: Many people mistakenly believe that people who buy red cars are more aggressive, reckless drivers. However, there is no quantitative evidence to support this claim. In fact, auto insurance companies don't even consider the color of your car as a factor in pricing your policy. They do look at your car's year, make, model, price, and engine size.

Read More Auto Insurance Myths »

Top 10 Most Frequently Stolen Cars: Driving up Insurance RatesAuto insurance companies base their rates in part on the likelihood of your vehicle being stolen. Is what you drive increasing the amount you pay for your policy?

Here are the most frequently stolen cars in 2012, ranked by the National Insurance Crime Bureau:

See if your car made the list »

10 Areas with the Highest Auto Theft RatesThe FBI estimates that 721,053 vehicles were stolen in 2012: that equals one theft every 40 seconds! If you only have the minimum level of car insurance mandated by your state, the theft of your car is most likely not covered by your policy. You may want to consider adding "Comprehensive–Collision" coverage to protect yourself.

Are you living in one of these areas? »

What Age Groups Pay the Highest and Lowest Car Insurance Premiums?Age is a significant factor in determining your car insurance rates, according to Fox News. Car insurance companies rely heavily on your age to assess your risk of having an accident. The following list shows the average 6–month premiums quoted by auto insurers for the corresponding age groups. Are you paying more or less than the average rate for your age group?

Click for premiums by age »

Who Are Better Drivers: Men or Women?Both men and women claim that the opposite gender is more of a danger on the road, but who really deserves the bragging rights of being the best driver? Obviously it is difficult to generalize about huge groups of people, but auto insurance companies do use gender to help determine their premium pricing structures. So do car insurers view men or women as better drivers–and who pays lower rates?

Who are better drivers? »

Many Drivers Are Not Using Available Auto Insurance DiscountsEveryone knows about the common discounts that car insurance companies often offer to encourage doing more business with them and to incentivize good driving. However, discounts vary so much from one company to another, many policyholders may be unaware of what is offered–and consequently may miss out on big savings.

8 discounts you may not know about »

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Why Should I Buy Car Insurance Online?The Internet allows you to research the auto insurance market more thoroughly and quickly than ever before. Now you can receive auto insurance quotes from numerous providers within minutes (a process that would have taken hours to complete by trying to research individual providers over the phone.) Moreover, consumers can check to ensure that the companies giving them quotes are legitimate, reputable organizations. Best of all, the quotes and information are completely free online.

How Can SolidQuote Help Me Save Money?SolidQuote.com has a network of car insurance companies that are all competing to supply your policy. To make themselves more competitive, they lower their premiums–and you reap the benefits. Furthermore, by providing users with a variety of options, we encourage consumers to make more informed decisions about the policy they purchase. If you compare quotes, you could save up to 30%!*

How Much Auto Insurance Do I Really Need?Your car insurance coverage is comprised of many policies that pay for different things, such as liability coverage, bodily injury liability, property damage liability, collision, personal injury protection. Most states have legally prescribed minimums for each policy, and you need to meet those requirements. Beyond that, what you pay for is determined by how comfortable you are with risk. However, as a general guideline, you should be insured for an amount equal to the total value of your assets (this includes your savings, investments, home, car, etc.) Additionally, try to select a plan with a high deductible and then pay for regular repairs out–of–pocket. This strategy will help keep your rates low.

Debunking Auto Insurance Myths

Myth: Driving a red car will result in higher rates.

Reality: Many people mistakenly believe that people who buy red cars are more aggressive, reckless drivers. However, there is no quantitative evidence to support this claim. In fact, auto insurance companies don't even consider the color of your car as a factor in pricing your policy. They do look at your car's year, make, model, price, and engine size.


Myth: You'll pay more for auto insurance as you get older.

Reality: Car insurance providers often reduce rates for older policyholders, because they view them as safer, more experienced drivers. Some insurers even lower rates by up to 10% for three years for drivers who are aged 55 and over and complete a safe driving course.


Myth: Your credit score has no effect on your auto insurance rate.

Reality: This issue is not so simple. Most car insurance companies use what are known as credit–based insurance scores to determine how much they charge you. Unlike regular credit scores, they don't take your employment, income history, or gender into account. They only use your credit history to determine the likelihood of you filing a claim in the future. However, if you live in California, Hawaii, and Massachusetts, companies are banned from using credit–based insurance scores to set their prices.

Top 10 Most Frequently Stolen Cars: Driving up Insurance Rates

Auto insurance companies base their rates in part on the likelihood of your vehicle being stolen. Is what you drive increasing the amount you pay for your policy?

Here are the most frequently stolen cars in 2012, ranked by the National Insurance Crime Bureau:

  1. Honda Accord
  2. Honda Civic
  3. Ford Pickup (full–size)
  4. Chevrolet Pickup (full–size)
  5. Toyota Camry
  6. Dodge Caravan
  7. Dodge Pickup (full–size)
  8. Acura Integra
  9. Nissan Altima
  10. Nissan Maxima

10 Areas with the Highest Auto Theft Rates

The FBI estimates that 721,053 vehicles were stolen in 2012: that equals one theft every 40 seconds! If you only have the minimum level of car insurance mandated by your state, the theft of your car is most likely not covered by your policy. You may want to consider adding "Comprehensive–Collision" coverage to protect yourself.

  1. Redding, CA
  2. Spokane–Spokane Valley, WA
  3. Vallejo–Fairfield, CA
  4. San Jose–Sunnyvale–Santa Clara, CA
  5. San Francisco–Oakland–Hayward, CA
  6. Yakima, WA
  7. Stockton–Lodi, CA
  8. Bakersfield, CA
  9. Fresno, CA
  10. Modesto, CA

What Age Groups Pay the Highest and Lowest Car Insurance Premiums?

Age is a significant factor in determining your car insurance rates, according to Fox News. Car insurance companies rely heavily on your age to assess your risk of having an accident. The following list shows the average 6–month premiums quoted by auto insurers for the corresponding age groups. Are you paying more or less than the average rate for your age group?

  • Teenagers:
  • Ages 20–24:
  • Ages 25–39:
  • Ages 40–65:
  • Ages 65–69:
  • Ages 70 and up:
  • $3,326
  • $2,008
  • $1,537
  • $1,260
  • $1,138
  • $1,454

No surprise about younger, more inexperienced drivers: on average, teenagers pay the highest 6–month premium out of any age group. The average quote for a 16 year–old driver is $4,075!

However, you may have expected that the oldest policyholders would pay more than they do. Drivers aged 95 and older pay $1,995, which is nowhere near the astronomical rate insurance providers charge 16 year olds.

Interestingly, the age group paying the lowest premiums is on the older side as well: 65–69. Apparently the auto insurance industry believes this demographic represents the smallest risk to insure.

Who Are Better Drivers: Men or Women?

Both men and women claim that the opposite gender is more of a danger on the road, but who really deserves the bragging rights of being the best driver? Obviously it is difficult to generalize about huge groups of people, but auto insurance companies do use gender to help determine their premium pricing structures. So do car insurers view men or women as better drivers–and who pays lower rates?

Research shows that female teenage drivers are twice as likely as male adolescents to be distracted by their electronic devices while driving; this includes texting, talking on the phone, or using another device such as an iPod.

Before men start gloating, however, they should note that male drivers have more DUI violations than women by three to one. And the most important statistic–who causes more accidents–lands decidedly in women's favor. For every five car accidents, three were caused by men. In 2007, 6 million men were responsible for accidents, while only 4 million women were.

Insurance companies are well aware that women are safer on the road and therefore less risky to insure. They set their rates accordingly: on average, women pay $698 for a six–month car insurance policy, and men pay $765.

Many Drivers Are Not Using Available Auto Insurance Discounts

Everyone knows about the common discounts that car insurance companies often offer to encourage doing more business with them and to incentivize good driving. However, discounts vary so much from one company to another, many policyholders may be unaware of what is offered–and consequently may miss out on big savings.

We compiled a list of auto discounts that you should ask your insurer about, if you haven't already:

  • Having more than one vehicle insured with the company
  • Being a student with good grades
  • Remaining accident–free for a certain period of time
  • Installing anti–theft devices
  • Passing a safe driving course
  • Staying with your insurance provider for several years
  • Bundling your policies with the same insurer
  • Accumulating fewer miles per year than the average driver