Your driving record—Studies indicate that drivers with past claims are more likely to have future claims. Drivers with moving violations, accidents or claims in the past three years will usually pay a higher price for their automobile insurance than those insuring the same vehicle but with no reported losses. 

The type of vehicle you drive—Both size and performance impact premium costs. Larger cars tend to be less expensive to insure than smaller cars because they typically suffer less damage in an accident. High-performance vehicles, such as sports cars, tend to be more costly to insure since they are statistically driven more aggressively. As a result, they tend to be involved in accidents more frequently. 

The value of the vehicle—As a rule of thumb, the more expensive the car, the more it will cost to insure.  

Vehicle features—You can earn premium discounts based on the vehicle’s safety features, such as anti-lock brakes, airbags and anti-theft devices.  

Your choice of deductible—Generally speaking, the higher your deductible you choose—which is the amount you owe out-of-pocket before insurance kicks in—the lower your premium will be.