There are many factors that affect the way that car insurance companies come up with the premium on your vehicle. While a lot of them deal with your history in particular there is also the vehicle to take into account.

If you have a brand new foreign sports car versus a 6 year old four door sedan you will find that the premium is more on the sports car, even if you are the driver on both vehicles. The reason why is that they are insuring the vehicle. You as the driver are also covered but the vehicle is their main point of concern.

Here are many of the factors that are taken into consideration when an insurance company is coming up with the figure for your auto insurance policy.

· Driver Age
· Drivers Experience Level
· Area That The Car Is Garaged
· The Distance Between Work And Home
· Is The Car For Pleasure Only
· Good Student
· Multiple Policies
· Government Employee
· Vehicle Used For Work
· Year, Make and Model Of The Vehicle
· Cost To Repair The Vehicle
· Security Devices
· Accident History On The Vehicle

Now that you are aware of the factors that go into assessing how your premium is established you can do something about your premium. You can do research and find out if your premium is higher than you’d like because of you or because of your car. You might be surprised.