Who Has The Cheapest Auto Insurance? The Random Things That Affect Your Quote

What’s the cheapest auto insurance?

I was recently shopping for car insurance. I know. This story is fun already right? Real edge of your seat stuff. I’ll bet you can hardly contain your excitement.

But anyway, I went to a certain company to get a quote (Here: http://www.whohasthecheapestautoinsurance.com/). I went to this specific company because my friend, who should definitely not be legal on the roads, is insured with them. And surprisingly didn’t have to remortgage her house to afford the cost.

So considering I am not quite as lethal behind the wheel, I was expecting a much lower quote.

Do you know which one of us they deemed worthy of the cheapest car insurance? My friend, who barely has a license, or me, the girl who has never even had a parking ticket?

I’ll give you a clue. The answer isn’t me.

If you’re anything like me you’re probably wondering how on earth an amateur formula one driver who refuses to wear glasses while driving managed to come out on top in that battle.

Basically, it’s because companies factor in a whole heap of other stuff to decide who has the cheapest auto insurance. Here are just a few of the random, not at all related to actual driving ability, things that could be stopping you from that all important low quote.

Bad credit

Because poor financial management equates to poor driving ability? Apparently.


If you smoke, insurance companies may charge extra. Lighting up is a distracting habit behind the wheel.

Your relationship status

If love isn’t incentive enough to tie the knot, how about financial savings? Insurance companies charge married people less for cover. Maybe having a second person in the car yelling at you to watch out for the cyclists is conducive to better driving after all.

Your education

The further you go in school, the less you pay for car insurance. So maybe it’s time to hit the books if you want to save money on your auto insurance.