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| The Price of Auto Insurance Policy | The prices of auto insurance policies vary by company. But all insurers divide drivers into groups of risk and issue from this classification when determine the price.
 The premium you pay for your auto insurance policy depends on the following factors:
1. Your sex: women are more attentive drivers and have less accidents than men.
2. Your age: if you are under 25 (for some insurers, under 30), you are considered at higher risk of having an accident.
3. Your marital status: single drivers have more accidents than married ones.
4. Type of your vehicle. Everything is important here: the value, size, weight, age of your vehicle, the cost of replacement parts. The larger, heavier, and cheaper your car are, the less your auto insurance policy costs.
5. Your personal driving record. If your driving record is irreproachable, though, your premium will be lower. Obviously, drivers who broke rules of roads or have accidents will have to pay more for insurance than safe drivers.
6. When and how often you use your vehicle. Your premium is higher if you use your own car for business or are driving in rush hours. Certainly, if you use your car only on the weekends, you are considered to be at lower risk.
7. Where you live. There are small amount of accidents or vandalism in rural areas. Accordingly, there is a bigger chance for your car to be damaged in big city.
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The Price of Auto Insurance Policy