These factors can affect your car insurance policy premium:
a) Insured's Declared Value (IDV) of the vehicle
b) Cubic capacity of the vehicle
c) Geographical zones (city of registration of the vehicle). Your premium will vary according to your location, which means that car insurance in Delhi will be different from one in Mumbai, Chennai or Bangalore.
d) Age of the car
e) Claim history of your car
f) Selection of voluntary deductibles in the 4-wheeler insurance policy.