Vargas & Vargas Insurance

1133 Washington St
Dorchester, MA 02124

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Why Does the Cost of Auto Insurance go Down when You Turn 25?

We all want to save money on things like insurance because we are paying for it anyway. That being said, some drivers are what insurance companies consider high-risk drivers which leads to higher rates across the board. So what makes the magic age of 25 different? For those in the Dorchester, MA area, the agents with Vargas & Vargas Insurance can help you answer this question in more depth.

High-risk drivers are often those that are considered either inexperienced or with less to lose in the case of an accident. High-risk drivers are also those that have statistically been placed in the category due to things like gender, age, and location. Drivers under the age of 25 are considered to be drivers with less experience and therefore drivers that are more likely to be in a traffic accident. When you turn 25, you can contact your insurance agency and let them know, and your rates will be adjusted according to your age. Though there are no other milestones so to speak according to age and rates, the older you are, the less your insurance generally costs so long as you have not had a ton of accidents.

Some other factors that may affect the overall cost of your insurance are things like your gender, males have a higher rate generally, if you are married or single, if you have multiple cars on your policy, if you have kids, have a degree, etc. These are all factors that your insurance agent will help you consider to get the best rate possible. For those in the Dorchester, MA area, the agents with Vargas & Vargas Insurance can help you to find your perfect policy every time.  

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