What factors would affect my "premium"?

What factors would affect my "premium"?

James Bell (Publisher, Auto Reviewer) gives expert video advice on: How do I find the best auto insurance coverage?; What key factors should I look for when choosing an auto insurance company?; How does gender, marital status or age affect my auto insurance premiums? and more...

A premium is in essence your payment for that particular insurance policy so it's a level of payment that's been set by the insurance company based on several factors. Your driving record, the area where you live and the actual vehicle you're driving. Every vehicle comes with its own insurance rating based upon the price of repairing the vehicle and the parts that are part of that car.