When you start shopping around for auto insurance, you might discover that finding the perfect auto insurance company is like looking for a needle in a haystack. Some specialize in one area, while others specialize in another. As you look around, factor in your age to see how compatible you might be with a specific company.

There are several points to consider about your age when you are looking for a decent insurance rate. If you’re under the age of 25, you’re considered high-risk, and this will increase your premiums. Factor in your life situations, and you might get a break. One option is to be added to your parent’s auto insurance policy. You might lose some independence, but you will save some costs at the same time. Another option is marriage. Costs go down for married couples since this demonstrates responsibility.

If you are between 25 and 65, your insurance rates should fluctuate based on your location, marital status and history of accidents. The best age group for reduced auto insurance rates is the 55-65-year-old crowd. According to statistical studies, this age group carries the least risk of filing a claim. Drivers are not generally distracted by young children in the back seat, they don’t have a teenager driving to prove themselves to the world, and they are still too young to get into accidents due to physical impairments brought on by aging.

No matter what your age, the best way to keep costs down when hunting for auto insurance is to keep your record clean. Each accident you have increases your rates. When you search for a new insurance company, they look at your previous records to see how much of a risk you are. Use your clean record and your knowledge of age criteria to help you get the best deal possible as you negotiate with auto insurance companies.

Mitch Carvalho

A full-time home-based Marketing Manager by day, 24/7 Mom, and a Blogger at any time. I’m 43 and proud. Mom of Derelle & Erchelle, sharing my adventures as I walk through motherhood and having to do most things on my own while my Indian national husband works miles away from home.