What factors can affect my auto insurance premium?

There are several factors that can affect your auto insurance premium. The primary factor is your driving record, as accidents, tickets, and previous claims can increase your premium. Your age, gender, and marital status also play a role since young, male, and single drivers are statistically more likely to be involved in accidents. The type and age of your vehicle are important too, as newer and more expensive cars typically have higher premiums. Your location, including the area's crime rate and population density, can impact your premium as well. Other factors include your credit score, annual mileage, and the coverage options you choose. By considering these various factors, insurance companies calculate the risk associated with insuring you and determine your premium accordingly.