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Car Insurance Estimate

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By Erin Thompson on January 29, 2021 in Insurance Basics

Heads up, when we say “car insurance estimate” we’re talking about car insurance premium estimates.

Car Insurance Estimates

Are you a good driver looking for a great rate on your car insurance? Say Insurance® offers highly competitive car insurance rates to drivers with great records. Here’s what you need to know about getting a less expensive car insurance estimate.

Insurance Score – The Car Insurance Estimator

You might see the term “insurance score” floating around when scoping out car insurance providers. If you’re unsure what your insurance score is or how it effects your rate, dive into some frequently asked questions below.

What is your insurance score?

Insurance score is a way of predicting how likely you are to have an accident or file a claim. An area it focuses on is how you interact with your financial accounts rather than what’s in them.

Note: It’s not the same as your credit score.

How does it factor into your car insurance estimate?

You, your household, and your desired coverage are the three main categories that make up your rate. However, the “you” sadly doesn’t mean your dashing good looks, instead, it includes your age, where you live, and insurance score, among other things.

Ultimately, these factors help insurance providers determine the likelihood of a claim.

How can you get your insurance score?

Looking to improve your insurance score? We have a couple quick tips and tricks to get that score where you want it!

How to Estimate Car Insurance

We touched on this earlier, but we get down to the nitty-gritty below.

According to the Insurance Information Institute, these factors may be used when determining the price of your auto insurance:

  • Your driving record
  • How much you drive your car
  • Where you live
  • Your age and gender
  • Your car
  • Your credit
  • The type and amount of coverage you want

While it might seem ridiculous that where you live and how old you are play a role in your car insurance rate, the reasoning is actually sound. Insurance companies have to predict the likelihood of a claim and use statistics that provide the data on areas of the country and age ranges with the highest number and frequency of claims. So, if you’re a perfect driver and your car insurance estimate is higher than expected, just know there may be factors you can’t always control.

Estimate My Car Insurance

Now that you’re aware of factors that go into a car insurance estimate, we’ll walk through how to get your estimate!

If we’re talking insurance score, it’s quick and easy. All we’ll need is your name, date of birth, address, email, and last four digits of your social security number. With this information you’ll learn:

  • The average insurance score in your state
  • The average insurance score at your age
  • Key factors of your score
  • How much you could save with a six-month term
  • What goes into the insurance score
  • How your insurance score affects your rate
  • A little bonus information about Say


The goal is to not only provide you with your insurance score but give you most of the background information you need to understand what the number means in relation to car insurance.

Erin Thompson is the Marketing Manager for Say Insurance. She's responsible for guiding the strategic direction of all Say marketing campaigns. Prior to joining Say, Erin worked for a media agency based in Columbia, MO. She spent several years developing successful advertising campaigns for a diverse set of clients across the United States. Erin began her career in television advertising after earning her Master’s from the University of Missouri Journalism School with an emphasis in Strategic Communication. Her love of communication and helping people directed her to the insurance world.