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Home » Over 30 Different Factors That Could Affect Your Auto Insurance Rates

Over 30 Different Factors That Could Affect Your Auto Insurance Rates


Most people are not familiar with how many factors are included in determining auto insurance rates. We’ve compiled a list of several below. The science of determining rates is forever evolving. No one company has the “best” rate for everyone. Once you factor in all of these variables, rates can vary drastically for “similar” people. After you look at the list below you’ll understand why we ask so many questions.




Marital Status

Year of Vehicle

Make / Model

Cost of Vehicle

Airbags on vehicle

Anti-theft features

Felony Convictions

5 year driving record

ISO Symbol of vehicle

Length of time licensed

Driving training discounts

Defensive driving discounts

Anti-lock brakes on vehicles

Liability limits on prior policy

Miles driven one way to work

Any previous at fault accidents

Liability limits on current policy

Number of vehicles on the policy

Number and types of prior claims

Optional coverages (towing, rental, etc.)

Length of time with prior insurance company

What company you were previously insured with

How the vehicle is used (work, business, pleasure)

Home address (broken down as much as by zip code)

Length of time client has maintained continuous coverage

Multiple policy discounts that may be available from some companies

Occupation of insured (teachers get special discounts from some companies)

Willingness to participate in and the results from a GPS tracking device (such as Progressive’s SnapShot)