Car Insurance: What affects the price?
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What you pay for auto insurance varies by company and by:
What you buy Coverages are priced individually so how much you'll pay depends upon:
Where you drive Drivers tend to have more losses if they live where there's a high rate of accidents or vandalism. Generally, urban drivers pay more for insurance than those in small towns or rural areas. How much you drive The chance of an accident generally increases as driving increases. People who use their car for business and long-distance commuting normally pay more than those who drive less. Your age, sex, and marital status Accident rates are higher for all drivers under age 25, especially young males and single males. Insurance prices in most states reflect these differences. Your driving record also affects price Drivers who cause accidents generally must pay more than those who are accident-free for several years. 
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