Where you live and work makes a difference. Folks living in certain areas with little or no traffic are likely to spend less on insurance than those living in congested cities or suburbs because areas with a lot of traffic tend to see more accidents. Some neighborhoods also have a higher rate of vehicle thefts, which can result in a higher premium.
Having an accident or moving violations on your record (speeding tickets, DWI, reckless driving, etc.) put you at a higher risk for accidents and will likely mean a higher premium. Some insurance companies will penalize you for your record for as many as five years from when the incident occurred. However, keep in mind, as your record improves, your premium will get lower.
A cheap car will cost less to insure than that status symbol SUV or a sports cars.
A driving record that is clean and free of accidents will hold fare better for you than lots of tickets and/or accidents.
Many insurance companies consider having a poor, or even no credit history as suggestive of higher risk and thus, charge you a higher premium.
Insurers have statistically found a correlation between your occupation and risk of filing claims. For instance, a newspaper delivery person is most likely a higher risk than the personal banker sitting at their desk all day.
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