Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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In a nutshell...

  • The more careless you are as a driver, the more money you will pay for insurance.
  • Collision and comprehensive insurance certainly add to the total premiums we pay
  • Your premiums will not begin to come down again until all of your speeding tickets disappear from both the state and insurance company records

If you are paying what seems to be an excessively high car insurance rate, you can rest assured that in most cases it’s not a permanent situation.

Your rates will eventually begin to come down once you meet certain criteria. How quickly that occurs depends on the reasons why your current premiums are so high.

As we go through these things, don’t forget that your car insurance premiums are linked to your driving habits and the type of vehicle you own.

So while things are affecting the insurance premiums that you can’t control, there are other things you can. Managing those things as best you can bring your insurance rates down more quickly.

Enter your zip code above to get FREE car insurance quotes today!

When will my 18-year-old son see a reduction in his rates?

According to statistics from the National Highway Transportation Safety Board, male drivers between the ages of 16 and 25 are responsible for the majority of crashes on American roads.

The reason for this is quite likely the fact that young males tend to be higher risk takers than anyone else in our society.

Their willingness to take higher risks also means they are more likely to drive in ways that will cause accidents. For this reason, this demographic pays among the highest insurance costs of all drivers.

If your 18-year-old son decides to go off to college and maintains good grades while he’s there, he’ll probably see some reduction in his car insurance rates.

At the very least, your son will notice a dramatic reduction in his rates once he turns 25. At that age, he is considered to be significantly less of a risk than his younger peers are.

Between the ages of 35 and 55, he will enjoy probably the lowest rates of his lifetime. That age is considered the safest for all drivers.

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What if my rates are high because of several speeding tickets?

Anyone who has had speeding tickets knows they are a killer when it comes to insurance rates. That stands to reason when you consider the fact that excessive speed is a contributor to a large number of car crashes.

Car insurance companies do not like to see speeding tickets because it means more risk for them.

If you have multiple tickets, you can expect to see your car insurance rates go up significantly.

How long it takes depends on the laws in your state and the way your car insurance company deals with tickets. Beginning with the former, state laws vary regarding how long a speeding ticket remains on your driving record.

If the ticket was issued in conjunction with a more serious violation, such as DWI/DUI, it could remain on your record for as long as seven to ten years.

Can I reduce my rates by dropping collision coverage?

Collision and comprehensive insurance certainly add to the total premiums we pay.

If you have an outstanding loan on your vehicle, you should carry both types of coverage.

In fact, if you read the fine print of your loan agreement, you are probably required by your insurance company to take both collision and comprehensive.

If your car is valued at only $7,000-$8000 once your loan is paid off, it may not be worth it to continue the extra coverage because the vehicle will continue to depreciate over the next couple of years.

However, if you’re driving more expensive vehicle with a higher street value, you may want to continue collision and comprehensive until the car’s value comes down.

Is there anything else I can do to bring the cost of my insurance down?

There are many other things you can do to insure you’re paying the lowest insurance possible.

For example, make the primary driver of your most expensive car the one individual in your household who is the cheapest to insure.

Most drivers spend time also comparing car insurance companies due to the drastic differences in premiums between providers.

Whether its a new policy or renewal of an existing system you should always try to compare multiple quotes at least once a year to see how your current premiums reflect market rates.

Enter your zip code below to get FREE car insurance quotes today!