Your driving history: Insurance companies consider your driving history when determining your premiums. If you have a history of accidents or traffic violations, your premiums may be higher.
Your age and gender: Statistically, younger drivers and male drivers are considered to be higher risk and may pay higher premiums.
The type of vehicle you drive: The make, model, and age of your vehicle can affect your premiums. Some vehicles are more expensive to insure due to their repair costs or the likelihood of being stolen.
Your coverage limits and deductible: The amount of coverage you choose and your deductible will affect your premiums. Higher coverage limits and a lower deductible will result in higher premiums, while lower coverage limits and a higher deductible will result in lower premiums.
Your location: The location where you live and park your car can affect your premiums. Urban areas generally have higher premiums due to a higher risk of accidents and theft.
Your credit score: Insurance companies may consider your credit score when determining your premiums. A higher credit score may result in lower premiums.
Your occupation: Your occupation may affect your premiums. Some occupations, such as doctors and lawyers, may pay higher premiums due to their higher income and the higher value of their assets.
Your marital status: Some insurance companies consider marital status when determining premiums. Married individuals may pay lower premiums due to the statistical likelihood of them being safer drivers.
Your usage: The purpose of your vehicle and how much you drive can affect your premiums. Vehicles used for business or that are driven a lot may have higher premiums.
Your insurance history: Insurance companies may consider your insurance history when determining your premiums. If you have a history of making insurance claims, your premiums may be higher.