The fact is that an auto insurance policy price is determined from a variety of different factors.
Some are factors that you cant control but others you can control and thus help to reduce your rates.
DO you have a good driving record - this is one of the things that that determines the price of your insurance policy.
The better driving record you have the lower your cost will be to insure your vehicle.
You should avoid car accidents, speeding tickets and have auto insurance.
The amount of coverage - The cost is also determined for how much coverage you want, if you increase your limits you will get better coverage but it will cost more and also if you increase your deductibles you will pay lower premium rates.
Age - If you are over 25 years old you will pay lower rates than a 17 year old teenagers that is first time driver.
Statistically young people cause most of the accidents, so the rates are higher for them.
Your Vehicle Mode and Driving Mileage - Is better to have a cheap low value car than a brand new sports car if you are looking for cheap insurance.
Sports car pay higher premium due to the risk of accidents they have.
Also vehicle that have higher rates of theft pay higher premiums.
Keep you mileage below 10,000 miles or your rates will increase.
Location - if you live in a big city where there is a lot of traffic and vandalism, you will pay higher rates than if you live in a rural town where there is little traffic.
Those are some of the most important points that an auto insurance company looks at to determine your auto insurance price.
Ask for any additional discounts and drive safely.