Living in a rural area, driving a car that is relatively inexpensive to
repair, having a good
credit history, and having a clean driving record will all play a factor in lowering your premiums,
while living in a more urban setting, driving a vehicle that is expensive to
repair, having a commute distance that is higher than average, and requesting a low deductible (the amount you pay out - of - pocket for
repairs) will all raise premiums.