I’m 25-55 years-old, not currently insured, with a clean driving record.

If you have a license, you won’t have trouble finding a great rate. The different discounts available make an immense difference on rates. If you have a normal car with anti-lock  brakes, air bags, and drive less than the average person, then you will be able to grab a decent rate. Make sure you hold on to that rate. If you don’t smoke and are married, then some companies may consider these traits of responsibility and let you keep a low rate for a long time. Make sure you drive defensively and always wear your glasses or contacts if you have them. If you stay with the same company for a long time without accidents on your record, your rates will drop every year.

I’m 25-55 years old, currently insured, with a clean driving record

Be patient, and wait for a great quote to be offered to you. The insurance rate that is offered to you will also depend on where you live, your credit history, and the type of car you drive. If you have what is traditionally thought of as a fast car, like a Camaro, your rates will be much higher than if you drive an Impala. If you are creeping up in age, the best way to keep your rates low is to pretend you are younger than you are. I know, I know; that’s not possible, but wouldn’t it be nice if it was? Just be friendly on the road, always drive defensively, and curb any road rage.

I’m 25-55 years-old, with an accident(s) on my record.

If you have an accident on your record, your car insurance rates are going to be high no matter how old you are. The only factors that will help your rates are student discounts, marriage discounts, and location, location, location. If you drive a car that is traditionally thought of as safe and conservative, this can also bring your rates down. Make sure insurance companies know if a significant amount of time has passed since your accident; this could persuade them to lower your rates, also, as long as you’ve had a clean record since then.

I’m 25-55 years-old with a D.U.I. or a current suspended license on my record.

If you have a D.U.I. on your record or a suspended license, take a few things into consideration. If you’re looking to buy a car, go for a conservative model. Also, do your research and find a car that won’t be as expensive to fix. Insurance companies will take all of these factors into consideration. If you live in a city that has a reputation for bad drivers–such as Philadelphia, on record as having the worst drivers in the nation–I would consider moving if possible. Even moving to the suburbs could help you immensely if the alternative is a city with high accident rates. You may also have the option to take a special state approved senior driver defensive course or an accident prevention course, depending upon your age and your state’s offerings.

I’m 25-55 years-old and need motorcycle insurance.

If you are between the ages of 25 and 65, and you need motorcycle insurance, a good insurance rate shouldn’t be too difficult to find. One good way to get and keep a low rate for motorcycle insurance is to keep it on the same insurance policy as your car. Many people tend to keep them separate and don’t get that extra protection already available for your car. Medical benefits may also be limited or not available when purchasing motorcycle insurance because of the high rates of accidents. Make sure you have your own medical coverage beforehand. Above all, do not text message while driving. Our best advice is to avoid your cell phone altogether while on a motorcycle.