1- Your age 2- Where you live 3- your driving record 4 - your claims history 5- Your credit 6- Homeowner or renter (Bundle policies in either case) 7 - Who else is in your household that drives 8 - Year, make model of your cars (some are more expensive to repair) 9 - How you use your vehicles, basically 3 levels: Pleasure, To/From work 3–15 miles, Business use. And then every insurance company will use these factors in a different way - weigh the factor more one way than another.
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