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13 things that affect your car insurance rate

Last updated: June 17, 2016

By , Insure.com

Car Insurance

Believe it or not, car insurance rates aren't arbitrary numbers made up by auto insurance providers; they are carefully thought-out calculations. Using your personal information and company claim data, car insurance companies use their own algorithms to make an educated guess on how likely you are to file a claim - or, to put it another way, how much you could cost the insurer. The riskier you appear, the more you will pay for car insurance. The safer you seem, the less you'll pay.

Each insurer also weighs the factors differently, which is why car insurance companies can come up with different premiums for the same person. Insurers look into their own claims data as part of this process. One provider may have fewer claims for your model vehicle, and in turn, offer a lower rate than another auto insurer.

Read on for the 13 main rating factors in your auto insurance price.

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