Some factors that may affect your auto insurance premiums are your car, your driving habits. These factors may include things such as your age, anti-theft features in your car and your driving record.
Your Driving Record -If you’ve been in multiple accidents, your cost for car insurance is likely to be higher than someone with a clean driving record. If you’re a new driver and have not had insurance before, chances are you’ll pay more for car insurance.
How Much You Drive – Insurers typically look at how much you use your car. Someone who has a long commute to work may pay more for insurance than someone who only uses their vehicle to run errands on weekends — since more miles behind the wheel mean more exposure to risk.
Your Age and Gender – Your age and gender may also impact your car insurance premium. Younger, less experienced drivers often pay more for car insurance than older drivers.