US Drivers’ Biggest Misconceptions About Car Insurance Rates

24% incorrectly believed that the color of the car had an impact on their car insurance rate

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28% incorrectly thought that income had an impact on their car insurance rate

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32% didn’t know their age could affect their car insurance rate

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38% were unaware that the make and model of their car could impact their car insurance rate

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51% did not know that their state of residence could have an impact on their car insurance rate

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51% didn’t know their credit history could affect their car insurance rate

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53% mistakenly believe that parking violations impact their car insurance rates

(Credit: Andrey_Popov/

69% did not know that their marital status could have an impact on their car insurance rate

(Credit: Lisa F. Young – Fotolia)

When it comes to bad driving habits, everyone has their vices. A recent US News & World Report study asked drivers about their behaviors on the road to uncover the most common dangerous behaviors Americans struggle with, as well as how their habits have changed due to both the pandemic of COVID-19 and inflation.

The most common bad habit admitted by respondents was road rage (64%), followed by excessive speed (51%), driving when they were too tired to do so safely (37% ) and falling asleep at the wheel (31%). Other behaviors respondents admitted to participating in included not wearing a seatbelt (28%), driving with a pet on your lap (25%) and texting while driving ( 27%).

The majority of these drivers tend to take ownership of their actions, according to US News & World Report, with 60% saying they take full responsibility for their poor driving habits. The remaining drivers said they learned about their bad behavior either from friends or family members.

The impact of COVID-19 and inflation

According to an August 2022 report from the AAA, the annual cost of owning a vehicle has exceeded $10,000, due to the rising cost of things like fuel, vehicle parts, and maintenance. This has led many drivers to look for ways to cut costs.

Nearly half of respondents told US News & World Report that they had reduced the time they spent behind the wheel compared to before the COVID-19 pandemic. Forty percent of drivers said they had tried to reduce their car insurance premiums since the start of the pandemic, 61% started limiting their mileage due to high gas prices and 84% are researching fuel prices. cheapest gasoline in their area before filling up their car. reservoirs.

Many have tried to cut car policy premiums to save money, but the survey also revealed that many drivers have no idea what factors really drive their rates. In the slideshow above, we’ll look at eight of the most common misconceptions American drivers have about car insurance premiums according to the 2022 US News & World Report Driver Habits Survey.


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