What Affects Auto Insurance Rates? 
The major factor in fixing auto rates is claims . If the company pays out more in claims than it receives in premiums , the state commissioner will authorize the company to increase their rates . Actuaries are people who segment the market and track the claims for every conceivable segment . That is how they can use the year , make and model of your car , the number of miles you drive , the location of your car , the driving record of the members of your household , your previous claim history and develop a specific premium for you . 