What factors determine the cost of my auto insurance policy?

The cost of your auto insurance policy with Unitrin Direct is determined by several factors. These include your driving record, age, and gender. A clean driving record will generally result in lower premiums, while accidents and traffic violations may increase the cost. Younger and less experienced drivers typically pay more due to higher accident risks. Additionally, the type of vehicle you drive affects your insurance rates. Sports cars or luxury vehicles are typically more expensive to insure than family cars. Your location also plays a role, as areas with higher crime rates or higher traffic congestion may lead to higher premiums. Lastly, your coverage options and deductibles will impact the cost. By considering these factors, Unitrin Direct calculates your auto insurance policy premium accordingly.