Here are the determining factors that affects premium on car insurance:

AGE- Teenagers have high insurance premiums especially those without driving records. They can avail of the discounts if they undertake driving courses. They are also entitled to “good grade discount” if they have good academic records. Generally, these discounts are offered to those blow the age of 25. On the other hand, those senior drivers, above 55 years of age may avail of the retirement discounts since they have less miles driven per year. Some insurance company offer refresher course to get discounts also.

DISTANCE- This determines how much the car is being used. Discounts usually benefits to drivers who do not drive frequently.

TYPE OF CAR- If you are driving a very expensive car, definitely cost you more to insure it due to expensive cost for repairs and replacement.

GENDER- Gender may also be a determining factor since men usually drive more than women do. Men also have a higher accident involvement at all ages.

Check your local insurance company for other basis of premium charges.

Goodluck!

-MariCAR