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How Driving Experience Factors into Insurance Rates

Published on August 17th, 2018

Although there are many factors that play into auto insurance rates, driving experience has one of the biggest impacts. It’s logical that the more driving experience you have, the less likely you are to get into an accident. You are well-versed in what it takes to be a good driver and can handle unexpected situations that are thrown your way. In return, car insurance in Illinois will likely be cheaper than if you are a new driver on the road.
Keep in mind that most companies consider “new” drivers to have two or fewer years of experience.

Does Experience Relate to Age?

Age and experience don’t always go hand-in-hand. For example, maybe you got your license, but you don’t have regular access to a car, which makes it harder to gain important driving experience. Statistics don’t help; the rate of crash-related deaths per mile is twice as high for drivers who are 16 and 17 years old than it is for drivers who are 18 and 19 years old. However, as you age, you might begin to pay more for factors that do not include age.

How Long Have You Been Licensed?

If you have been licensed for many years yet you have never had car insurance in Illinois before, you may be considered an at-risk driver. This is because you don’t have a driver history that is verifiable. A lack of apparent driving history also makes it difficult for them to assess your risk factor. We recommend getting an auto insurance plan as soon as you can.

At Accurate Auto Insurance, we make it easy for you to find some of the cheapest rates available! Easily get an instant quote on our site and feel free to contact us with any questions you may have.

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