Frequently Asked Questions
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Frequently Asked Questions
Clear answers to the most common questions from experienced drivers comparing insurance options. If you don't see your question here, call us during business hours.
Insurance Basics
Will my insurance rates go up just because I turned 65?
Rates don't typically increase at age 65 — many drivers see stable or slightly lower premiums through their early 70s due to retirement-related mileage reductions and clean driving records. Rate increases usually begin around age 75-80 as actuarial tables show higher claim frequencies, but these can often be offset with low-mileage discounts, mature driver course credits, and telematics programs. Your individual rate depends more on your driving record, annual mileage, and discount eligibility than age alone.
About This Site
Is my personal information safe when I compare quotes online?
Your information is transmitted using 256-bit SSL encryption — the same security banks use — and we never sell your data to unaffiliated third parties. When you submit your information, it goes directly to the licensed insurance agents and carriers you select to receive quotes from. We maintain SOC 2 compliance and you can request deletion of your information at any time by calling our privacy line.
How It Works
What happens after I submit my information for quotes?
Within 2-10 minutes, you'll receive your first quotes by email, and licensed agents from the carriers you selected may call to discuss coverage options and finalize your quote. You're never obligated to purchase, and you can compare all quotes without speaking to anyone if you prefer. Most users receive 3-6 competitive quotes within the first hour, and all contact stops immediately if you request it.
Insurance Basics
Why did my rate go up even though I haven't had a ticket or accident?
Insurance companies adjust rates based on the claims experience of your entire rating group — age, location, vehicle type — not just your individual record. If drivers similar to you in your ZIP code filed more claims last year, your rate may increase even with a perfect driving record. This is why comparing quotes annually is essential: competitors may rate your profile differently and offer significantly lower premiums for identical coverage.
Coverage Options
Can I exclude my spouse from my policy to lower my rate?
You can formally exclude a spouse if they have their own vehicle and insurance or don't drive, which removes them from your rate calculation. However, if an excluded driver uses your vehicle and causes an accident, your insurer won't cover the claim — the financial liability falls entirely on you. This strategy only makes sense if your spouse genuinely never drives your car or has a serious violation history that's temporarily inflating your household rate.
About This Site
Is this site legitimate or just collecting my information?
We are a licensed insurance marketing platform operating since 2018, and you can verify our business credentials through your state Department of Insurance. Every insurance partner displayed on our site is a licensed, rated carrier or agency authorized to sell in your state. We are required by law to protect your information and provide accurate quotes — our licensing would be revoked for deceptive practices, and our business model depends entirely on consumer trust and successful policy placements.
How It Works
How often should I compare insurance rates?
Compare rates annually, ideally 30-45 days before your renewal date, since your risk profile and insurer pricing both change over time. Carriers adjust their rates and discount offerings throughout the year, and a company that was expensive two years ago may now be highly competitive for your profile. Comparing at renewal also gives you leverage to negotiate with your current insurer if you find a better offer.
How It Works
What if I don't want insurance agents calling me?
You can opt out of phone contact during the quote request process and receive all quotes via email only. If you do receive calls you don't want, ask the agent to note your no-call preference in their system, and they're legally required to comply. You maintain full control over communication preferences, and legitimate agents will respect your request immediately.
Insurance Basics
Will comparing quotes hurt my insurance score?
No, requesting insurance quotes does not affect your credit score or insurance score — insurers use soft inquiries that aren't visible to lenders. You can compare as many quotes as you want without any negative impact on your rates or creditworthiness. In fact, insurance scores typically improve when you maintain continuous coverage and pay premiums on time, regardless of how many quotes you request.
