All insurance companies have their own factors to determine your insurance rates. The major factors which are consider by the insurance companies are listed below:
1. Demographic factors such as age, sex and marital status
2. Your driving record and record of prior claims
3. Make and model of your Car
4. Usage of your car
5. Geography
6. Statistical data
7. Restraint system for example Medical Payments coverage.
8. Road conditions, traffic patterns, traffic law enforcement, local costs of auto repairs, hospital and medical service.
