Most people are completely confuses about how their car insurance rates are determined. This is because a lot of what goes into determining the rate is not obvious. Nevertheless the insurance companies have a great deal of experience in determining your risk factors and what your rates should be.

The biggest factor that affects your car insurance rates is your gender. Women pay significantly less in premiums than men do. This is because despite all of the jokes about women drivers the reality is that the statistics say that they are much safer than men. Since there is obviously nothing that you can do about your gender this is one of those factors that is out of your control. Most of the others are at least to some extent something that you can control.

The next biggest thing that goes into determining your car insurance rates will be where you live. Common sense says that the more people there are on the road the more likely it will be that you will get involved in an accident. As a result people who live a large city will pay more for their insurance than people who live in a small town.

The next factor that gets considered when they are determining your insurance rates is what kind of car you drive. An expensive sports car is going to be more expensive to insure than a station wagon. There are a couple of reasons for this; the first is that the sports car is more likely to be involved in accident. The other reason that you will need to pay more for insurance is that if there is an accident it will cost more to repair the sports car.

The next factor in determining your car insurance rates is how often you drive your car. This is another one where common sense comes into play. The more often you drive the more likely it is that you will have an accident. Therefore most insurance companies will offer a discount for low mileage drivers.

It is only at this point that we start to get to your driving record as a factor in the cost of insurance. Most people naturally assume that it is the most important factor. The reason that your driving record is so far down the list is that since the government requires you to have the insurance they also put price controls on what the insurance companies can charge based on your driving record. That means that in large part the good drivers have to pay for the bad drivers.

There are a whole host of other factors that go into determining your car insurance rates, these include, your credit history, your grades at school and your age. Since there are so many factors it is nearly impossible to determine what you will pay in insurance without getting a quote from the insurance company.