What Factors Affect My Car Insurance Premium

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What Factors Affect My Car Insurance Premium. Take a closer look at these factors that affect your car insurance premiums to clear things up — some of them also come with bonus suggestions for keeping costs down. Drivers who have an accident or moving violation (speeding, dui, etc.) on their motor vehicle record are more of a risk for auto insurers, resulting in higher car insurance rates.

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Driving history and vehicle type are both factors that you can control. Vehicle choice and driving history affect premiums. Factors like age, experience, location, and even your job will be used.

Millions of people purchase car insurance without knowing why they have been quoted the price they've received.

These next factors you can consider more as wildcard factors. In case you reside in an area where traffic is low you will find lower premium rates. Some factors that may affect your auto insurance premiums are your car, your driving habits, demographic factors and the coverages, limits and deductibles you choose. Some of the factors that affect car insurance rates are within your control, such as your credit history and whether you’ve ever been convicted of drunk driving.