Driving History

Why is my ex's accident following me around in my insurance quotes?

Claims tend to be attached to the driver that was at fault. If you were the policyholder at the time, some companies will see this and still charge you for that at their discretion.

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Car Insurance Costs

I'm moving from TX to WA, where car insurance is a lot more expensive. Why is it so much and what can I do to lower my premium?

Insurance is regulated on the state level and every state has its own insurance laws. For example, Michigan residents are well-known to pay the most expensive premiums in the country due to the state's coverage requirements, which include unlimited medical coverage for the lifetime of car accident victims.

Car Insurance Costs

Should I stay with my car insurance company even if I'm getting a better quote from elsewhere?

It's possible that your agent is simply trying to keep your business. However, he may actually be correct.

Eligibility

Will my credit be run and/or impacted if I get insurance quotes from The Zebra?

Your credit is not run when you're in the shopping-around-stage for insurance quotes. It's only when you finalize your policy that your new insurer will run a soft credit check.

General Insurance

Do insurance companies run a soft or hard credit check?

Insurance companies run a soft credit check when they run your credit. We can quote you with several carriers at The Zebra.

General Insurance

Why am I being asked for my personal information for a car insurance quote?

According to our data, the average cost of minimum liability car insurance in California is $573 per year. Below are some additional coverage options you can consider: State Minimum — Liability Only $573 State Minimum — $1,000 Comprehensive/Collision $1,297 State Minimum — $500 Comprehensive/Collision $1,481   That said, this is based on a 30-year-old male driver with no accidents or violations and good credit.

Eligibility

Do you have a carrier that will write an auto policy for a driver with an international permit?

We do have a few companies that will insure you with a foreign license. First, you need to complete the quote online.

General Insurance

Does it count against you if you don't have insurance now?

Not having insurance continuously does impact your rate negatively. Once you have had insurance for six months the rates should get better.

General Insurance

What can I expect to pay for first time car insurance?

Waiting until you're 30 will not really impact your rate. The bigger rating factor will be your lack of insurance history.

Car Insurance Costs

I would like car insurance for around 40 to 60 per month

Although lots of car insurance companies advertise "name your price tools," it doesn't really work that way. Your car insurance quote is based on a driving profile made of driving and non-driving factors.

General Insurance
Insurance Companies

Will my FICO points drop when I get a quote for car insurance?

Fortunately, most insurance companies use only use "soft inquiries" and do not look at a full credit report. There is a statistical correlation between your credit score and how likely you are to file a claim.
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