In order to ensure that the pricing of your insurance policy is accurate, we must first assess each person’s driving risk factors. That's why every insurance company gathers information about you before they determine your insurance rate. The following are some factors that could affect your rate, depending on where you live and the insurance company you use:
- your past driving record
- whether you’ve maintained car insurance consistently
- the type of vehicle that you drive
- your credit score (in most states)
- where you live and how your neighbors drive
- how many miles you drive per year
- your gender and age
