There are many factors that the auto insurance companies consider when determining your individual coverage rates.
There are some factors that you can control and use to get lower rates such as your driving record, credit score, etc.
Other factors, however, are mostly out of your control and will greatly affect the rates that you are offered by the various car insurance companies.
Knowing what they are will help you understand why your rates are what they are.
1) Where you live.
The zip code in which you reside will be a big determining factor in what your finalized rate quote will be.
No matter how safe your residence or specific neighborhood is, the crime rate in the zip code in which your home falls is what matters here.
More specifically, the auto theft rate in the zip code will play a huge role.
2) How old are you? Those who fall under the age of 25 will pay higher rates than those over 25.
Just as, those over 65 will pay higher rates than those under 65.
3)Male or female.
Because they consistently get in less accidents than men, women drivers are offered lower auto insurance rates than men are.
4)Are you single or married? Those who are married will generally be offered lower rates than those who are single will be.
5)Your vehicle.
The type of car you are insuring, how much it's worth, and how often it is stolen will greatly impact your car insurance rates.