Your driving record is weighed heavily when it comes to determining your auto insurance premium. In many states, if you have a good driving record, you can receive a good driver discount. However, if have a speeding ticket or an auto insurance claim on your record, you should expect to pay higher auto insurance rates.

If you share an auto insurance policy with your family, spouse, or domestic partner, you may be eligible for a multi-car/multi-driver auto insurance discount. However, be warned that combining policies will also mean that you share in your family’s speeding tickets and auto insurance claims— which, if present, will mean higher auto insurance premiums!

3.Type of Vehicle (model, year, and value):

Statistics show that the accident rates are different for different cars. Some kinds of cars are also more expensive to repair.

5.Age,sex and marital status:

Older drivers, female drivers and married drivers statistically tend to have better driving records. Therefore, they tend to have lower premiums.

6.Where You Live:

Some states have higher accident rates than others. In particular, states with high population density tend to have more accidents. Other local factors, such as the type of insurance system in the state, also affect insurance rates.

7.Prior Insurance Coverage:

Being a new driver, or a driver with no previous history of insurance coverage, will probably mean higher rates.

Over 90% of U.S. insurance companies use credit-based insurance scores to establish eligibility for payment plans and to help determine insurance rates. If you have a high credit score, you can generally expect lower auto insurance rates than someone with a low credit score.