· Age: if you’re young, you’re expensive
· Driving History: if you have a history of accidents or infractions, you are more expensive
· Residence location: zip code matters! Even if you move just across town, the zip code change will affect the rate.
· Vehicle Type: is your vehicle expensive to fix?
· Average Vehicle Use: do you drive long distances often?
· Credit Score: a SOFT credit check doesn’t affect your score