Personal Auto Insurance underwriters look at a number of factors when deciding who fits into the low-risk category.
They weigh factors such as a policyholder's driving record and claims history. It helps if an insured's record is spotless. That means no accidents, claims, or citations for moving violations. Insurance companies also look at the driver's age (or in some states, the driver's years of experience) and location of their residence.
How a car is used also impacts pricing. A policyholder who takes public transportation to the office and gets behind the wheel only on the weekends typically gets a lower premium than an insured who drives 40 miles to and from work every day.
There are also other underwriting considerations. We would be delighted to discuss them with you, upon your request.
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