Glossary term
Rating tier
Rating tier: A grouping (preferred, standard, non-standard) with its own base rates. Record, credit and history determine your tier.
Where this term matters
Guides and entries on this site that use the term.
Guide
The 12 Reasons Car Insurance Rates Are High
Every factor that sets a car insurance premium—record, age, location, vehicle, credit, coverage, market trends—ranked by how much each one typically moves the price.
Guide
How Your Driving Record Affects Car Insurance
What tickets, at-fault accidents, claims and a DUI do to a premium, how long each stays in rating, and how insurers look back.
Entry
How to Get Car Insurance After a Coverage Lapse: Practical Steps and Costs
Understand what happens after a car insurance lapse, how insurers price coverage gaps, and practical steps to secure an affordable policy again.