What Affects Your Insurance Rate? 2
The amount that you drive is another key factor in determining how high or low your rates are likely to be. For instance, if you only drive your car to do daily errands and things of that nature, then it is assume that you are not at as high a risk to get involved in any kind of accident. However, a driver who commutes each day, takes a lot of trips, and so on, is considered at a high risk for accidents.
Naturally, your driving record plays an enormous part as well. If you do not have a good driving record then, quite simply, you are going to pay higher rates. It does not matter if you have parking tickets or speeding tickets.
Even the amount of coverage you have can affect the rates you pay. Complete and full coverage will naturally cost more than the bare minimum.