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when speaking about car insurance it gets a little confusing on whos going to have the best company for the best price and the weird thing is it constantly changes so when youre talking to a friend or a family member and theyre telling you they got a good deal that may not be true anymore and you just dont know until you start shopping around so lets talk about what determines the rates or the prices for car insurance the first and probably the most powerful piece that insurance had taken into consideration is your driving record Most states dont care so much about not at fault claims so if you get hit by someone else and it wasnt your fault nine times out of ten the state or the company doesnt really care about that now there are some states like Texas and a few other states as well that do actually count those against your policy kind of like when you buy home insurance if you have any type of a claim that raises the risk some companies in some states that allow this also do
