Why do car insurance quotes change daily?

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Key takeaways...
  • A quote for car insurance does not last for an indefinite amount of time because factors that influence the quote you receive change all the time
  • If you make a change in the type or amount of coverage that you are requesting, this will necessarily change the amount of the quote that you receive
  • If you have an accident or get a traffic ticket since you last requested a quote for car insurance, this would almost certainly increase the rate that you are quoted at
  • The area that you live in affects the rate that you pay, so if crime or accident statistics in your particular area change, this could also affect your auto insurance rate
  • The time of the year affects the auto insurance rates in general, so a change in seasons could mean that you are quoted at a different rate for coverage


When you receive a quote for a car insurance policy, this quote does not last forever. In fact, it can change rather quickly because it depends on a long list of factors that are constantly in flux.

If you are worried about a great quote slipping away, you should either act fast to lock it in or inquire with the auto insurance company if there is an expiration date or time for the quote.

It may be frustrating to know that your car insurance quotes may change very quickly based on things that are totally outside of your control, but there are still plenty of things that you can do to avoid paying more than what you need to for car insurance coverage.

Get quotes to compare today! Just enter your zip code in our free rate tool above.

Factors that Influence the Quotes You May Receive for Car Insurance Coverage

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While it may seem unfair to you, your car insurance quote is almost always based on things that have nothing to do with how good of a driver you are or how safe your car is.

When auto insurance companies are coming up with insurance rates, they are trying to decide what risk level each insured driver poses because they do not want to insure too many drivers that have a very high risk of filing a claim through their auto insurance policies.

Insurance companies realize that claims are unavoidable, but they want to make sure that drivers who are at a higher risk of actually filing one are paying more for their coverage to compensate for that fact.

Here are some factors that could make your quotes fluctuate:

If you live and drive in an area that has a higher than average crime rate, this could be a very good reason why your car insurance quotes go up. Keep in mind that if you change zip codes, this is another reason why the car insurance quotes you receive could change.

Safer areas with low crime and accident rates tend to have lower insurance rates. Cities generally have higher claim rates because of the higher volume of traffic in those areas, so this can lead to higher insurance quotes in urban areas.

Keep in mind that every time you apply for a car insurance quote, the insurance company does an inquiry into your driving record and accident history.

If you reapply for a quote after an accident or having received a traffic record, this could be the culprit behind you receiving a higher quote than you have in the recent past.

While it is difficult to do anything to drastically improve your driving record in the short-term, you could look into various discounts for having completed an approved driving safety course.

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Making Sure that You are Getting the Right Coverage

It is easy to become singularly focused on the price of the car insurance you are getting. However, you should not ignore your specific coverage needs in your quest for the cheapest rate.

Having a general understanding of what types of coverage apply to your specific situation is essential to making a knowledgeable decision about the car insurance policy that you sign up for.

One of the biggest mistakes you can make in trying to find the lowest quote for car insurance is to only stick with the requirements of your state for car insurance.

These should be thought of as the very bare minimum for coverage and are not a good indicator of having adequate coverage.

The problem with only getting coverage up to these requirements is that you will probably find yourself having to dip into your own assets if you hit another car or pedestrian.

The liability limits on the minimum insurance policies fall well below the average damages incurred in an auto accident today.

In addition to raising the limits on your liability coverage, it may be best for you to get extra coverages for your own car. If you do not, then there is no protection for your own vehicle if it is damaged by something other than another driver.

Besides that concern, there is a real possibility that the other driver responsible for an accident does not have enough insurance or any coverage at all to be able to cover the damages you incur.

In this situation, you would be very glad that you had uninsured or underinsured motorist coverage so that there is some way to pay for the repairs to your car.

Otherwise, you would be stuck paying for the damage yourself, which means that you may actually need to replace the entire car on your own.

The positive side of these extra coverages is that they will probably not raise your premiums by a significant amount. The coverage that you get is likely worth the extra price increases.

Final Thoughts on Why Car Insurance Quotes Might Change Daily

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You should not be surprised if you find that the quotes you receive for auto insurance change over time.

These quotes are certainly not stagnant because they depend on a long list of factors that car insurance companies consider when figuring out what type of risk and how much risk each driver contributes to their overall risk pool.

While sometimes a quote may change because of something that you can directly influence, it is also possible for a car insurance quote to change based on something that is completely out of your own control.

The following are examples of factors you can directly influence:

  • Purchasing a new car
  • Making a change to the type or amount of coverage that you want
  • Adding another driver

Some of the things that you have no control over include the crime rate in your area or any changes in the overall market rates for car insurance.

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