by 
The Curious Bag
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When you get car insurance quotes, you probably wonder what affects your rates. There are several factors that affect how much you pay for car insurance.
Location
Car insurance companies analyze types of claims by location. Rates are higher in places such as urban cities where accidents and claims are more common.
Age
Statistically, younger drivers and senior citizens have more accidents than middle-aged drivers. Rates are typically lowest for drivers ages 30 to 55.
Gender
Auto insurance companies also monitor claims based on gender. Women tend to have fewer auto accidents than men, so women have lower premiums.
Driving History
Your driving history plays a major role in determining how much you pay for car insurance. A driver with a clean record pays lower rates than one who has several tickets or accidents.
Vehicle Type
Family sedans are much cheaper to insure than sports cars. This is both because of the performance capabilities of the vehicle and the typical habits of the driver. Also, less expensive cars are typically cheaper to insure.
Credit
Most companies use consumer credit to determine insurance rates. To an insurer, low credit scores indicate a lack of responsible behavior, so they charge more for credit challenged drivers.
Source:
CarInsurance.com: Factors that Affect Your Car Insurance Premium
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