What Is Car Insurance Based On? 
Car insurance rates -LRB- I assume that is what is meant by the extremelyeloquentquestion -RRB- , are based on may variables , including your motor vehicle report , the type of car/truck you drive , where you live and the type of coverage you want . And yes , credit can factor into theequation . Quite confusing ! That 's why most consumers allow a seasoned broker to do the shopping for them ! 