Some of these factors are personal or individual based. These would take into account the specifics of your automobile(s) with respect to the type and age of the vehicle, miles done, servicing records, accident history, safety and security equipment installed, its classification in terms of generally established safety car standards, and so on. In this case, the greater the safety rating of the car, the cheaper it must make your insurance. The personal category of factors would also consider the age, ability, track record, of the persons who are being covered and others who may be anticipated to drive or travel in the automobiles being covered for. So the lesser the people covered, cheaper will be your insurance; and similarly it will cost lesser for the more able and proven drivers. This category can be further effective in controlling the rates, especially if you buy form good companies, which offer special training to equip you in these criteria, or have discount generating partnerships with other organisations of which you may be a member of.
Another category of factors that will affect your auto insurance rates is based on geographical range of the running of the automobiles. There could be states with laws that demand a wider range of factors to be covered for. There may be areas of greater risk that your automobile runs in, risks that could be connected with thefts, or accidents or social unrest, and so on.
Lastly, it will depend also on the flexibility that the insurance company itself is able to accommodate. For example, some companies can help you out with attractive packages that will cover other insurance needs with your auto insurance.
photo by chris waits