Generally anyone under age 25 carries a higher rate. Prior auto insurance . If you maintain auto insurance without a lapse, most companies will give you a price break when you transfer to them. Home ownership or residential stability . Discounts are given for home owners or people who have lived in the same home for a number of years.
Prior claims filed with an insurance company can affect rates.
Miles driven yearly . Generally, people who drive less get a lower rate. Claims experience in your home town or area where you live. For example, a large number of theft claims in a certain area can cause rates to go up. Your sex and marital status .