Question

As you know, insurance companies base their policies on how much risk they perceive you to be. What are some factors that would affect your risk for your auto insurance?

Answer 1

The number one factor would be if you were an inexperienced driver they charge a lot more for that policy than for someone who has a few years experience. Another is if you have a history of having wrecks. Another big one is if you have received  DWI/DUI that one you will be perceived as a big risk

Answer 2

insurance rates, location, age, gender, marital status, crime rates