Quick Quiz: Getting the Best Car Insurance Rate

Getting auto insurance is tough enough without knowing what can raise — or lower — your bill. Select the statement that comes closest to your experience and see whether you may qualify for cheap auto insurance.

Question One
I am younger than 25.
I am older than 25.
Sorry; drivers over 25 often get better insurance rates.
Good news! Drivers over 25 often get better insurance rates.

Question Two
I'm single.
I'm married.
Insurance companies often charge married consumers lower rates on car insurance.
Being married helps reduce your car insurance premiums.

Question Three
I've had a fender-bender or two in the last three years.
I've avoided any accidents in the last three years.
Obviously, the fewer accidents you have, the lower your rates. Still, accidents often are removed from your driving record within a few years.
Keep it up! The fewer the accidents, the lower the rates.

Question Four
I've been known to get a speeding ticket or two.
I follow speed limit signs religiously.
Slow down; the fewer speeding tickets you have, the lower your insurance rates.
Patience pays; the fewer the tickets, the lower the rates.

Question Five
I drink.
I don't.
Be careful: Many insurance companies drop drivers who have been cited for DUI.
The best way to avoid DUIs is not to drink at all.

Question Six
I'm not the best high school/college student.
I am getting outstanding grades in school.
Studying can pay off: Many auto insurance companies offer discounts to top students.
Your studying can pay off: Many insurance companies offer discounts to top students.

Question Seven
I'm a man.
I'm a woman.
Get ready to pay up. According to the Insurance Information Institute, young men from 16 to 25 typically pay more for car insurance than women in their age group.
A win for women: According to the Insurance Information Institute, young men from 16 to 25 typically pay more than women in their age group.

Question Eight
I live in a large city.
I live in a small suburb/rural area.
Not only is parking harder to find, but drivers who live in congested urban areas pay more than those who live in less-populated rural areas.
Not only is parking easier to find, but drivers who live in rural areas pay less lower insurance rates than drivers who live in congested urban areas.

Question Nine
I drive an expensive, popular model.
I'm more of a nonconformist.
Many popular, newer cars are targeted for theft by those who would resell the parts.
By avoiding popular, newer cars, you are likely to be less of a target for car thieves.

Question Ten
I drive about 50 miles every day.
I drive about 15 miles a day.
If you can take advantage of mass transit, you may want to: The more miles you drive, the more you'll pay in car insurance.
Not only do you avoid aggravation, but the fewer miles you drive, the less you'll pay for car insurance.

Question Eleven
I'm a relatively new driver.
I've been driving safely for decades.
Stay vigilant: A long, clean driving record is a sure way to lower your insurance rate.
Experience pays: A long, clean driving record is a sure way to lower premiums.

Question Twelve
My life, home owner's and car insurance policies are each with different companies.
I get all my insurance coverage from the same company.
Bundle up! Many companies will give substantial discounts to customers who buy their life, home and car insurance from the same company.
Consider consolidation: Many companies will give substantial discounts to customers who bundle their life, home and car insurance.

Question Thirteen
My car has the minimum in safety features and no car alarm.
My car has all the available safety features and a car alarm.
You could be a target. Remember, safety features and alarms can cut your auto insurance premiums.
Safety saves: Features and alarms can cut your insurance premiums.

Question Fourteen
What I know about defensive driving I've learned on my own.
I've successfully passed an accredited safe-driving course.
Go back to school: Take a defensive driving course and get a break on your insurance bill.
Get a gold star: If you've taken a defensive driving course, you can get a break on your insurance bill.