Age has a LOT to do with it, regardless of credit or former accident claims.
Use one of the online insurance comparison websites. Just g00gIe it.
I'm over 60 and pay less than $100/month for 3 vehicles, FULLY insured and replacement cost on the Raptor.
Again, age. Plus I've never had an accident, claim, speeding ticket, parking ticket, etc.
CREDIT also has a LOT to do with it.
Don't ask about which carrier I'm with, doesn't matter. You have to play the game. I'm with one for a year at a great rate, then next year they try to increase my rate by 50-100%. I do a new comparison search and then switch off to another carrier. Had to do that for the past 7 or 8 years.
Surprisingly......just got my renewal notice and they said they are renewing me at the same rate I paid last year. WHAT?!?!?!
We'll see how that pans out. If they are true to their word, I'll stick with them. If they increase, buh-bye!
I've given them all heck about these rates. I ask WHY do my rates keep going up when I've had ZERO accidents/claims, etc. ????!?!!
Answer: You're paying for insurance for all of the drivers out there who don't have any! What a crock of B.S. ! If they would start fining or jailing these people, the rest of us could enjoy lower rates! Well.....perhaps I am speaking too soon. With the massive influx of illegal aliens invading this country, probably 4 or 5 in 10 "drivers" are now uninsured. Which will only make rates go up even more.
Another thing almost all insurance companies are now doing is the DRIVING HABIT MONITORING APP. Either a plug-in to your OBD port, or most often now an app on your smart phone. They require it for a discount on the quoted rate, or you can pay slightly higher. Regardless, I have tested the apps out and they are overly sensitive. A long gentle gradual braking still shows as an abrupt braking. If a dog runs out in front of you and you just tap the brakes.....ABRUPT BRAKE ALERT.
They use this to increase your rate next period. I have read behind the scenes insider talk about these apps and even the insurance company people say that they are much too sensitive and inaccurate, but......they keep using them.
Having homeowner's insurance and auto with the same company can reduce your rates.
Disclaimer: I'm not in the insurance business, nor do I play a guy with an ostrich in any tv commercials.