Premiums will increase if you use your vehicle for regular commuting, if you use it for your business, if you have underage (less than 25 years old) drivers in the household, or if you put a large number of kms on the vehicle regularly. Lower deductibles and increased limits will also increase your premiums. Certain vehicle makes and models will result in higher premiums, the cost of insurance doesn’t necessarily track well with vehicle values. Some vehicles see higher theft claims, some see higher injury rates in collisions.