To drive in most states in the US, it is necessary to have automobile insurance. Failure to have one can result in various penalties, including tickets or canceled licenses. So it is really important to find the best auto insurance companies in Midland TX, that provide the best policies as well as suit your situation and needs. Each insurer has its own ways and terms of providing policies to customers. Each company provides insurance differently. So before choosing an insurance company for yourself, research and compare their terms to find out which one suits your situation.
When you are looking for insurance companies that offer affordable car insurance quotes in Midland TX, there are few factors you should keep in mind, including the insurance coverage that you need, your budget, and any of your preferred insurers. Determining the amount of coverage you need is difficult. The best way to do this is by letting the driver decide. It makes sense because only a driver will know where he drives or how he drives. Drivers will also need to consider if there have been any special accommodations that may come into play while making a claim.
The Best Cheap Car Insurance Companies In Midland TX
The full coverage insurance partially depends on the population of an area. The cost of full coverage insurance in Midland TX, is almost average compared to other states such as Huston and Dallas. Because Midland TX is less populated compared to Huston and Dallas. Most of the time, full coverage insurance costs twice as much as liability auto insurance. It is important to have full coverage insurance if your car has a lien on it. If you don’t finance your car, most dealership companies in Plano won’t allow you to leave the lot without full coverage insurance. As long as the deductibles go, most lien holders in Texas are more tolerant than the other states in the United States. Many of the lienholders will need a $500 deductible before they can leave the lot. They also allow their customers to do more deductibles. It allows drivers to reduce the rates of full coverage insurance.
Here are some of the best car insurance companies in Midland TX, that offer cheap car insurance:
| Rank | Company | Annual Payment |
| 1 | Progressive | $1,251 |
| 2 | Geico | $1,297 |
| 3 | State Farm | $1,348 |
| 4 | Allstate | $1,452 |
| 5 | Mercury | $1,491 |
| 6 | Esurance | $1,542 |
| 7 | MetLife | $1,586 |
| 8 | The General | $1,637 |
| 9 | Nationwide | $1,672 |
| 10 | Direct Auto | $1,789 |
| 11 | USAA | $1,854 |
It is important to look for cheap auto insurance in Midland TX, but it is also important to find an insurer that offers good quality products. You should always look for quality over a low price when it comes to auto insurance. It is important to look for an insurer that has good customer service and a strong claim section. Drivers with zero tickets and a clean driving record will be rewarded with cheaper rates and higher deductibles.
Average Cost Of Car Insurance In Midland TX
The average premium of minimum coverage in Midland TX is around $532, and the average cost of full insurance is around $1,689. Insurance costs in Midland TX, are well below the average cost in the state of Texas, which are $564 and $1,853. Each dealership has its own rates, terms, and products. To find the best rates, you should take your time and look for different insurers and compare their terms and products. Once you find a suitable insurer, you can go with it.
Midland TX Auto Insurance Requirements
Midland TX drivers are required to take financial responsibility in case of an accident or property damage caused by them. Most of the drivers are concerned about these events, so they usually purchase insurance policies that can cover the damage. Even if you are confident that you won’t cause any damages, you still have to purchase insurance that at least can cover bodily injuries and property damages by Texas law. Here is the list of amounts and policies that you have to purchase under Texas laws:
- $30,000 for bodily injuries of each person in a car accident caused by you
- $60,000 for bodily injuries when two or more than two people are injured in an accident caused by you
- $25,000 for property damages caused by you in a car accident
This is the basic coverage that you have to purchase by the law of Texas state. It is also known as 30/60/25. It covers the medical bills of passengers, pedestrians, people on the other car, as well as property damages that were caused by you up to your insurance limits. You are always allowed to carry extra coverage to protect yourself from serious crashes, injuries, property damages, or vehicle damages. You don’t have to worry about compensating for yourself when you have extra coverage. Because once your coverage limits are exhausted, you have to pay for the damages from your pockets. So higher insurance limits can save you from these situations.
How To Get Cheap Car Insurance Quotes In Midland TX?
The most effective way to get cheap car insurance in Midland TX, is by keeping a clean driving record. Drivers who have never been involved in any accidents are more likely to get cheaper rates. There are also other ways to get cheaper rates as well. If you are looking for affordable car insurance quotes in Midland TX, here are some other things you should keep in mind:
Switching our insurance provider can be a good idea:
Every insurance providers have their own rates and terms. They have their own methods to calculate premium rates. These are some of the reasons why you see the difference in insurance rates and terms. Never than less, your insurance provider can change their rates over time. You will notice that the provider who was providing you cheap rates suddenly changed their rates.
So, consider yourself doing a bit of research before purchasing insurance from a particular company and even for your insurance renewal. It is really important when you see a sudden increase in your premium rates after any events. Also, don’t choose cheaper rates over the quality.
Maintaining a good driving record will help you to reduce your premium rates:
This is probably the best way to reduce your premium rates, as we discussed earlier. Most insurance providers consider a clean driving record as a major factor in determining your premium rates. So keeping a good driving record will play an important role in your premium rates. Events such as involving in an accident, DUI conviction, speeding tickets, and other violations will make your insurer increase your premium rates. So it is important to stay away from those events.
Here are a few steps you should follow:
- Follow all the traffic laws.
- Don’t drive under any influence of drugs or alcohol.
- Keep your vehicle in good condition to avoid accidents.
- Try reducing the amount of time you spend driving. Because as long as you are off the streets, you are less likely to commit any accidents.
Reduce your Insurance Coverage:
Reducing your insurance coverage will definitely going to reduce your premiums, but it is also important to do with caution. You are only a distraction away from causing an accident. Things can get worse if you are at fault or the other driver is uninsured. If your insurance amount is insufficient, you have to pay for damages that you have caused out of your pockets.
Buying liability insurance greater than your state’s requirements is a good idea to avoid these situations. Also, adding an uninsured motorist coverage that matches your liability coverage is a good idea as well. It may save you a couple of dollars each month, but if you manage to drive safely enough, you can save a lot of money in the long term.
Insurance rates depend on the car you own:
Premium rates also depend on the car you drive. It depends on the model, year, and maker of your car. If you own an expensive car, your premium rates will be much higher than cheaper cars. Because expensive cars have expensive parts and sometimes they are not easy to find. So, if you buy regular cars, their parts are easy to find, and they are less expensive as well.
Also, if your car was involved in any accidents or claimed something in the past, you are more likely to be charged with higher rates. Try to find cars that were never involved in any accidents or claims because insurance companies consider those issues as big liabilities.
Ask for discounts:
Most insurance companies have schemes and offer that allows customers to get a discount. By accepting these offers, customers can get lower rates on their premiums. Insurance companies offer discounts if the customer:
- Bundles his car insurance with other policies such as homeowner or insures multiple cars
- Pays the annual or six-months of premium at once
- Has a clean driving record
- Owns a car that has features such as anti-theft and other safety features
- Agrees to receive documents online
- Is a member of a certain institution or authorized group
You can also compare policies or schemes of multiple companies to find out who is offering the best discounts.
Go for higher deductibles:
A deductible refers to the amount you have to pay your insurer from your pockets before any events such as accidents, theft, property damage, bodily injury, or vandalism. The thing is, reducing your deductibles will increase your premium rates. So your main goal should be to increase your deductibles to decrease your premium rates.
It can be confusing. So it will be better if you ask your insurance agent to explain how it works and how you can save money by increasing your deductibles. If you manage to do it correctly, you can save quite a bit of money at the end of the year. If you are not looking to make any claims soon, it will be a good idea to increase your deductibles to save money from your premiums.
Midland TX Car Insurance For Drivers With A Good Record
Best auto insurance companies in Midland TX, consider your driving records as a major factor in determining the premium rates. Drivers who have never been involved in an accident didn’t receive any tickets or never violated any traffic rules are considered as good drivers, and they are going to get the best rates on their premiums. On the other hand, drivers with a bad driving record have to pay higher rates.
Here are some of the best car insurance companies in Midland TX, that offers the cheapest rates for drivers with a good driving record:
| Insurance Company | Full Coverage |
| Allstate | $1,785 |
| American Family | $1,892 |
| Esurance | $1,954 |
| Nationwide | $1,987 |
| Travelers | $2,165 |
| Progressive | $2,289 |
| Farmers | $2,342 |
| USAA | $2,389 |
Midland TX Cheap Car Insurance Quotes For Young Drivers
Most of the time, young drivers are considered risky and inexperienced drivers. It makes sense because a 40 years old driver will have a lot more experience than a 20 years old driver. This is the reason why young drivers pay more than experienced drivers. However, Texas has banned companies that consider age, marital status, gender, or education as factors to calculate the premium rates. This is somehow benefiting young drivers to get cheaper rates.
Here are some of the best auto insurance companies in Midland TX, that offer the cheapest rates to young drivers:
| Company | Annual Payment |
| Fred Loya | $2,241 |
| Geico | $2,329 |
| State Farm | $2,367 |
| Mercury | $2,461 |
| Esurance | $2,528 |
| Texas Farm Bureau | $2,572 |
| Travelers | $2,635 |
| Nationwide | $2,689 |
Fred Loya is currently offering the best price at $2,241 a year for young drivers. They can also get full coverage at $2,329 from Geico.
Cheapest Minimum Coverage For Young Good Drivers In Midland TX
If you are planning to buy a cheap auto insurance policy, you should purchase a policy that only covers your state’s minimum liability requirements. But it is important to remember that Minimum Coverage will only cover bodily injuries caused by you. It is not going to cover damages to your vehicle because vehicle damage falls under the comprehensive and collision policy. State Farm offers the most affordable rates at $749 per year, Which is 43% cheaper than the average cost of minimum coverage in Midland TX, $946 a year.
Here are some of the best companies that offer affordable car insurance quotes in Midland TX, for good young drivers:
| Company | Annual Payment |
| State Farm | $749 |
| Geico | $862 |
| Allstate | $957 |
| Farmers | $1,132 |
| Mercury | $1,187 |
| Nationwide | $1,254 |
| Houston General | $1,386 |
| Texas Farm Bureau | $1,435 |
Minimum coverage is way cheaper than full coverage, but young drivers can get involved in accidents without sufficient coverage. The best way to get cheaper rates is by joining their parent’s policies. However, if you still choose to go individually, those are the five best insurance companies that offer the cheapest rates.
Cheap Car Insurance In Midland TX After A Speeding Ticket
A single speeding ticket can affect your driving record as well as your premium rates. As we mentioned earlier, drivers with clean driving records will be rewarded with the best rates. Although a speeding ticket is not a big of a deal as compared to an at-fault accident still, a single speeding ticket can increase your premium rates up to 7%.
Here are some of the best insurance companies that offer cheap auto insurance in Midland TX:
| Company | Annual Payment |
| Geico | $1,095 |
| Mercury | $1,158 |
| State Farm | $1,289 |
| Nationwide | $1,347 |
| Fred Loya Insurance | $1,395 |
| Allstate | $1,438 |
| Erie | $1,479 |
| Travelers | $1,562 |
Most areas have their specific speed limits, and drivers are not allowed to break speed limits. If you get caught driving over the speed limits, you will get a speeding ticket.
Cheap Car Insurance In Midland TX After A Car Accident
Accidents are the most important factor when it comes to determining the rate of your insurance premium in any state. We have seen that if you are found guilty of an accident, insurers can increase their rates up to an average of 58%. Even if the driver caused a minor accident, still insurance companies are going to raise their rates. So it is really important to keep a clean driving record. Still, there are insurance companies such as Farmers, Nationwide, and Fred Loya known for keeping their rates low even after an accident.
Here are some of the best car insurance companies in Midland TX, that offer cheap premium rates after a car accident:
| Company | Average Rate |
| Farmers | $1,785 |
| Nationwide | $1,869 |
| USAA | $1,954 |
| Mercury | $2,165 |
| Travelers | $2,243 |
| Fred Loya Insurance | $2,298 |
| Allstate | $2,341 |
| Erie | $2,397 |
Drivers who were recently involved in accidents should check out the rates of Nationwide and Farmers. Their rates are relatively lower than most of the insurance companies.
Cheap Auto Insurance Quotes In Midland TX After A DUI
DUI or Driving Under Influence means that a driver is caught driving while being drunk or intoxicated. Driving under the influence is considered one of the most serious violations. Drivers with DUI are charged with much higher rates in Texas. Insurance companies can raise their rates up to 72% if a driver commits an accident under the influence of alcohol or drugs.
Here are some of the best auto insurance companies in Midland TX, that offer the cheapest rates after a DUI:
| Company | Annual Payment |
| Allstate | $1,435 |
| Texas Farm Bureau Group | $1,497 |
| Geico | $1,562 |
| State Farm | $1,641 |
| Mercury | $1,689 |
| Esurance | $1,845 |
| Houston General | $2,259 |
| Nationwide | $2,341 |
DUI is also sometimes referred to as DWI or Driving While Intoxicated. DUI or DWI is one the most serious crimes, and it also ruins your reputation as a driver. Companies like Allstate and Texas Farm Bureau Group offer the cheapest rates.
Cheap Auto Insurance Quotes In Midland TX For Minimum Coverage
Multiple companies offer minimum coverage in Midland TX. Drivers can go through this list of companies to get affordable car insurance quotes in Midland TX:
| Company | Annual Payment |
| Geico | $542 |
| Allstate | $589 |
| Esurance | $634 |
| State Farm | $672 |
| Texas Farm Bureau | $752 |
| Nationwide | $789 |
| MetLife | $835 |
| Houston General | $879 |
If you are looking for the most affordable insurance that you can get, these insurance companies are best for you. But your rates can differ because all the rates mentioned above are based on certain driver profiles.
Cheap Car Insurance Companies In Midland TX For Drivers With Bad Credit Score
Most insurance companies in Midland TX, take your credit scores into consideration. Drivers with excellent credit scores pay $146 per month on average, and drivers with poor credit scores typically pay around $192 per month. By maintaining an exceptional credit score (800-850), you can save up to 61% from your annual premiums. Even if you maintain a fair credit score (580-669), you can save a significant amount of money at the end of the year. So maintaining a good credit score will lower the premium rates.
Here are some of the best car insurance companies that offer cheap car insurance in Midland TX, for drivers with bad credit score:
| Company | Annual Payment |
| Allstate | $1,568 |
| Farmers | $1,672 |
| Nationwide | $1,789 |
| MetLife | $1,832 |
| Esurance | $1,945 |
| Geico | $2,189 |
| Mercury | $2,275 |
| Fred Loya Insurance | $2,384 |
If your credit score is affected by an event beyond your control, such as theft, losing a job, divorce, death, or natural disasters, then you might qualify for an exception to credit underwriting. In order to request an exception, submit a written application along with supporting documents.
Cheapest Car Insurance Companies In Midland TX For Seniors
It is important to save money at any age. If you are an older citizen with a good driving experience, numerous insurance companies offer special discounts and programs for senior drivers. We have researched and found some of the best insurance companies that offer the best discounts, perks, and policy options for senior drivers.
Senior drivers are required to participate in regular license renewal and screenings. They also pay much higher insurance rates than regular drivers. Senior drivers are also subject to increased safety laws. Only in 2018, 9.9% of fatal car accidents were caused by drivers above the age of 65. This is the reason why drivers between the age of 79-84 must renew their license every six years, and drivers above the age of 85 must renew their license every two years.
Here are some of the best insurance providers that offer cheap auto insurance in Midland TX:
| Company | Annual Payment |
| Progressive | $1,195 |
| American Family | $1,269 |
| Nationwide | $1,354 |
| Esurance | $1,467 |
| Geico | $1,589 |
| State Farm | $1,642 |
| Allstate | $1,691 |
| MetLife | $1,764 |
Whether you are driving less, taking more road trips, or wanting to reduce your expenses as you move towards retirement or have already retired, these are some of the best options that you can choose from.
Who Offers A Cheap Car Insurance In Midland TX For Married Couples?
Your marital status can fluctuate your insurance rates. Most married people pay less than single people. Because most married couples are financially stable than singles. Married people are more responsible as well. They won’t drive recklessly because they have families to take care of. Reports say that married people have engaged in accidents way less than unmarried people.
Here are some of the best car insurance companies that offer affordable car insurance quotes in Midland TX, for married couples:
| Company | Married Couple Rates |
| Nationwide | $1,892 |
| State Farm | $2,289 |
| MetLife | $2,375 |
| Allstate | $2,418 |
| Geico | $2,472 |
| Progressive | $2,531 |
| Esurance | $2,564 |
| American Family | $2,583 |
Most married couples in Midland TX, usually pay less than unmarried people. Because married couples are considered more responsible and financially stable. Nationwide and Allstate offer the cheapest premium rates for married couples.
What Are The Different Types Of Midland TX Auto Insurance Coverage?
Before purchasing car insurance, you should know about different types of auto coverages. There are multiple types of auto coverage available such as Liability coverage, Gap insurance, Collision coverage, Comprehensive coverage, and many more. Before buying insurance coverage, you should go through all these different types of coverages and choose coverages that suit you. Here will be discussing some of the different types of Auto insurance coverage.
Gap insurance:
Gap insurance is a low-cost add-on to your auto insurance and provides coverage for the duration of the actual loan. Gap insurance covers the amount between what a person owes on his car loan and the actual cash value in the event of theft or damage to the car. Cars can lose their values quickly, and sometimes an auto insurance settlement may not be enough. Gap insurance can be useful for drivers who live or drive in areas where their cars can be damaged or stolen.
Comprehensive insurance:
Comprehensive insurance is a type of auto insurance add-on that covers any damages to your car from any cause other than collision. It usually covers damages from fire, bad weather, fallen trees, theft, vandalism, damage by any animals, and other damages like that. Your insurer can add comprehensive coverage to your main insurance if you are financing or leasing a car. If you already own a car, it is completely optional.
New Car Replacement
New car replacement insurance is yet another optional add-on to your actual auto insurance policy that will pay you enough so you can replace your vehicle in case it is totaled. Your insurer will pay for the value of a brand new car from the same make and model minus the deductibles. New car replacement coverage is usually only available for cars that are younger than a certain age.
Liability coverage
Liability coverage is a major part of an insurance policy that provides financial protection to a driver who injures someone or damages any property. It only covers the damages and injuries of the third parties and their properties. In most parts of the USA, it is required to purchase liability coverage.
Medical payments coverage
Medical payments coverage is an optional add-on to your auto insurance policy. It covers medical bills from an accident regardless of who was at fault. It even covers medical bills for your passengers as well. It also covers up the cost of funerals in case of deaths. It can also cover up lost wages, child care, doctor visits, and many more.
Roadside Assistance
Roadside assistance is also an optional add-on to your car insurance policy. If you travel long distances, Roadside assistance can be beneficial for you. It provides services including repairing, refueling, towing, battery breakdown, and many more. The insurance provider will send a professional mechanic to the spot where your car broke down to fix it. If it takes too long to repair your car, you will get alternative transportation or accommodation options.
Major Parts Replacement Coverage
Major parts replacement coverage is an add-on to your auto insurance policy. Having a Major parts replacement coverage will replace your car parts with the original parts made by the manufacturer. If you don’t purchase this coverage, your insurer can replace your car parts with any aftermarket or third-party parts. Major parts replacement coverage is completely optional as well. In order to apply it, you must have collision and comprehensive coverage. Also, your car must be under seven years old.
Original Parts Replacement
Original parts replacement policy is optional coverage. It helps to ensure that aftermarket or third-party parts will not be used when your vehicle is being repaired. Original parts replacement is important coverage because your car will be repaired with original parts designed and engineered by the manufacturer. If your priority is to maintain your car with original parts, then Original parts replacement is for you.
Towing and labor insurance
Towing and labor insurance comes in handy if you travel long distances. It is an optional add-on to your auto insurance policy. Your insurance provider will send professionals to the spot where your car broke down to fix it. In case your car can not be fixed on the spot, your insurer will send a towing car to move it to the nearest garage.
Uninsured motorist insurance
Uninsured motorist insurance or UM is an optional add-on to your original auto insurance policy. It provides coverage when you are involved in an accident, and the at-fault driver doesn’t have any insurance. It also pays for the injuries of your passengers. It is required to include Uninsured motorist insurance to your original auto insurance policy in most states in the US.
Underinsured motorist insurance
At-fault drivers or their insurers are supposed to pay for the damages and injuries caused by them. Underinsured motorist insurance or UIM provides coverage when the at-fault driver has insufficient insurance. You are allowed to purchase Uninsured motorist and Underinsured motorist insurance as a bundle. You can get a discount if you purchase both of them as a bundle.
Personal injury protection insurance
Personal injury protection insurance or PIP covers the cost of medical bills for you and your passengers in the event of an accident. It pays the medical bills of your passengers even if they don’t have any insurance. Depending on your PIP insurance limits, your insurers are willing to pay up to 80% of your medical bills. It can also cover the cost of funerals, child care, and lost wages.
Rental reimbursement insurance
Rental reimbursement insurance is useful when you don’t have any access to your car due to accidents. It covers your transportation costs until your car is repaired. Depending on the scale of your insurance amount, your insurers may provide you with another car to drive until your car is repaired.
Collision insurance
Collision insurance covers the cost of your car when it is damaged by any kind of collision, including hit by another car, hitting walls, or light posts. It provides coverage even if you are at-fault. It doesn’t cover any bodily injuries. Most insurance providers include Collision insurance as a mandatory policy if you are leasing a car. It becomes optional when your car is out of the lease.
Classic car insurance
Classic car insurance is mostly for car collectors who own vintage and classic cars. It is categorized as Classic cars, Vintage cars, and Antique cars.
Classic cars: Cars that were manufactured between 1940-1970 are called classic cars. Most of the Classic cars have the original parts, features, and designs from the manufacturer. Any modification can fluctuate the value of a classic car.
Vintage cars: Cars that were manufactured between 1910-1939 are considered Vintage cars. Unlike Classic cars, modifications don’t really affect the value of a Vintage car.
Antique cars: Cars over the age of 45 are considered Antique cars. Same as Classic cars, it can not be modified, or parts can not be changed.
Most auto insurance companies consider a car’s value, age, condition, and some other factors in determining the premium rates.
Is Midland TX Auto Insurance A No-Fault City?
Most of the US states, including Midland TX, use an at-fault insurance policy. It requires at-fault drivers to pay for the damages they have caused to pedestrians, other drivers, passengers, and properties. Insurance providers usually pay for the damages on behalf of at-fault drivers up to their insurance limits.
At-fault drivers are directly responsible for the injuries and property damages they have caused. The injured victim can claim their own insurance providers first, which is also called a First-Party claim. The injured person can directly claim the at-fault driver or the insurer who is insuring the at-fault driver. It is also known as a Third-Party claim. The insurers of both parties are always the Second-Party. In case the at-fault driver doesn’t agree with the injured person’s terms, the injured person is allowed to file a lawsuit against the driver, seeking compensation for medical bills or property damage. They can also file a lawsuit for non-financial losses, including anxiety or pain.
Ways To Reduced Rates In Midland TX Car Insurance
The best way to reduce the rates of car insurance in Midland TX, is by keeping your driving records clean. We all want our premium rates to be reduced. But compromising the quality just for a couple of bucks is not a very good idea. So we have listed some of the best ways to get affordable car insurance quotes in Midland TX:
- Pay your annual or six months of premium at once
- Research for different insurance providers
- Try to raise your deductibles
- Bundling your car insurance with other policies will allow you to get discounts
- Look for cheaper premium rates
- Keep your driving records clear
- Try usage-based car insurance
Good Drivers Car Insurance Discounts In Midland TX
Most insurance providers in Midland TX, have discount programs for their customers. The best idea will be to ask your insurance provider about a good driver and other discounts to get cheaper rates on your premiums. Here are some of the discount options you might get:
- Anti-theft
- Good students
- Safety features
- Homeowner
- Multi-car policy
- Driver education
- Good driver
Car Insurance Midland TX Questions And Answered
Why are my insurance rates affected by my credit score in Midland TX?
Most insurance companies in the US consider your credit score, driving history, and past claims to determine your premium rates. According to multiple reports, drivers with low credit scores are more likely to file a claim. Also, drivers with high credit scores tend to be involved in fewer accidents and cost their insurance provider less than drivers with low credit scores. The Federal Trade Commission has shown the relationship between credit scores and risks. Their study suggests that a credit-based score can predict risks.
Does it cost more to cover a red car?
The simple answer is no. Your car color doesn’t determine your insurance rates.
Why do younger drivers pay higher insurance rates?
Insurance rates can be fluctuated by your age. Young drivers typically pay higher rates than older drivers. Because young drivers don’t have enough driving experience, they are more likely to be involved in an accident and make a claim. Young drivers are bigger liabilities for insurance companies.
How long is my quote in Midland TX, valid?
When you compare insurance policies with us, and you get a quote as an offer, your quote will be valid until the date you choose for your policy to begin at the beginning of your insurance process.
What is car insurance in Midland TX prices based on?
The price of car insurance in Midland TX, is based on multiple factors, including your age, driving history, car model, area, marital status, and many more. The best way to get a discount is by keeping your driving records clean and not involving in an accident. The less you claim, the more discounts you will get.
