Factors That Affect Your Rate

Insurance companies base your rates on a number of factors. Here are some of the most common criteria we use to determine your insurance rates at National Gereral Insurance:

Your Driving History

No factor affects your odds of having an accident more than your driving record. If you've never been involved in an accident, your odds of being in an accident are lower than someone with preivous accidents. Because accidents cost the insurance comapny, your rates will be lower.

Where You Live

Drivers in small towns have fewer auto accidents than drivers in large cities. In addition, cars in cities are more likely to be hit by theft and vandalism; so drivers in large cities will typically pay more for car insurance.


Statistically speaking, your age has a significant impact on your auto insurance rates. Drivers under 25 years of age are more likely to be involved in accidents than drivers over 25, and will pay more. Drivers between age 50 and 65 are the statistically safest group; they usually have the lowest insurance rates.

Marital Status

The statistics indicate that married drivers have fewer accidents than single drivers. If you're married, you may pay less than your single friends.


Men, particularly young men, are much more likely than women to be involved in accidents. Young men should expect to pay higher insurance premiums. Note that in Pennsylvania and North Carolina, your gender cannot be used to determine your rate.

Financial Responsibility

Many years of analysis have demonstrated a strong correlation between credit history and driving patterns. If you’ve got good credit, you may pay less for auto insurance. In California, your financial responsibility can’t be used to determine your insurance rates.

Your Vehicle

Some vehicles cost more than others to repair. If you drive an SUV, sports car, or customized vehicle, your insurance premiums could be significantly higher

Available Discounts

Many insurance companies, including National General Insurance, offer numerous discounts you can take advantage of. Some of these discounts include:

  • Multi-car Discount
  • Anti Theft Credit
  • Homeowner Benefit