2. Your Marital Status
Statistically, married drivers tend to file fewer claims than single drivers of the same age, and many insurers factor marital status into their pricing models as a result. This is one of the more surprising hidden factors, since it has nothing to do with an individual’s actual driving behavior.
Some insurers extend a similar, though usually smaller, consideration to domestic partnerships or civil unions where recognized, though this varies significantly depending on the company and the state.
Why it matters: Getting married can sometimes lower your premium slightly, even if nothing else about your driving or vehicle has changed. This factor tends to surprise newly married couples the most, since they rarely expect a personal life event to influence something as seemingly unrelated as their car insurance bill. What you can do: Update your insurer promptly after a marriage, since this is one of the few life changes that could actually reduce your rate rather than increase it.