Question

What on my driving record is raising my car insurance premium

I'm with State Farm. I have been since May 2012. I figured out my monthly cost is $68.21 for basic coverage. I am a 58 year old divorced female. My last accident was January 2014, at-fault. I have good credit. I have been driving since I was either 17 or 18 years old. I have some college credits but no college degree and right now no job, but I need to go back to work. My car is in good condition with anti-theft device. It is 2005 Ford Focus zx4 SE 4 door sedan. I live by myself, high school diploma. I am checking to see if I can get a better rate for my car insurance for basic coverage for less than $409.26 every 6 months with State Farm.

Mar 10, 2018 Stillwater, Minnesota

Answer
Ava Lynch

Mar 10, 2018

There's a couple of things to consider here. First, the at-fault accident you had in January 2014 is over 3 years ago, so it shouldn't be impacting your premium anymore. Although you may still see it listed on your insurance record. Next, the average 6 month premium in Minnesota in 2017 was $629. So your premium is actually lower than the state average. While you might be getting the best rate possible for you, it doesn't affect your premium to shop around. If you're curious about what would could be getting elsewhere, see our comparison app here.

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