There are many things in this world that are left to chance, but the cost of an auto insurance policy is not one of them. Although auto insurance rates may seem quite arbitrary, your personal rate is a carefully calculated based on a number of factors.
Insurance agencies use algorithms based on your personal information in order to determine how likely you are to file claim, or in other words, how much you could cost potentially them. The riskier you seem, the higher your car insurance policy rate will be, while customers that appear safer will pay less.
Some factors, such as your driving record, are pretty obvious and most people are aware of their impact. But there are a number of other seemingly unrelated fa