I am 73 years old and drive less than 1,200 miles per year. I had one minor accident in the last three years, but my credit is pretty good.
Insurance rates are influenced by many different factors. If the accident was considered at-fault then that likely has a significant impact on your rate. The location where you keep the vehicle can also impact your rate depending on the number of claims being filed in that area and the number of drivers. Ultimately rates are unique to each individual based on the risk they pose to an insurance company. The best way to find the lowest rate is to compare quotes with as many companies as possible.