What factors affect the cost of my insurance premium?

There are several factors that can affect the cost of your insurance premium. The primary factor is the type and amount of insurance coverage you require. Additional factors include your age, gender, and marital status, as well as your driving record and credit history. Insurance companies also consider the make and model of your vehicle, your annual mileage, and where you live, as these aspects can impact the risk of accidents or theft. Furthermore, discounts or surcharges may be applied based on factors such as completing defensive driving courses, owning a home, or bundling multiple policies. It is important to note that each insurance company may have different rating systems and factors that influence premiums, so it is best to consult with an agent from Harrison Insurance Agency to fully understand how these factors can affect your specific insurance costs.