Most people don’t know that there are at least seven factors involved when determining the cost of auto insurance. Usually, it’s not until after you start shopping around that you realize things such as school status, gender and location make a difference. If you’ve never had a chance to figure out what factors influence your car insurance rate, check out the list below. Keep in mind that these influences vary from company to company.

Driving history – Your driving record is one of the largest factors that determine car insurance costs.

Gender – Though it seems unbelievable in this day and time, something as archaic as gender still makes a difference.

Vehicle use – How often and how far you use your car plays a part.

Other factors……

• age
• geographic territory
• prior insurance coverage