What factors affect my insurance premium with Mercury Insurance Group?

Several factors can affect your insurance premium with Mercury Insurance Group. These include your driving history, the type and age of the vehicle you drive, your location, the coverage options you choose, and your credit history. A clean driving record and limited claims history generally result in lower premiums. Newer or more expensive vehicles often have higher premiums due to the increased cost of repair or replacement. Your location can also impact your premium, as areas with higher crime rates or population density may be associated with higher risk. The coverage options you select, such as liability limits or comprehensive coverage, can affect your premium as well. Lastly, your credit history may be considered as studies have shown a correlation between credit score and insurance claims.