What is Surcharges and Discounts on Auto insurance Policy?

Surcharge: Additional premium amounts charged to a policy due to ticket, At Fault acccidents, higher risk, youthful or inexperienced driver, etc... Discounts: Credits that can be applied to part or all of the coverages on a policy: Anti lock brakes, alarm system, airbags, multi-car, association membership (like AARP) Hope that helps. Surcharge :Additional reasons : bad credit history, claim frequency is high, tickets, DUI (driving under influence) , speeding, teenagers, over 70+, Discounts :Additions to above : internet buying (few companies), good driving record, good grades for teenagers, multiple car policies with same insurance company, multiple coverages (auto +home), no traffic violations for more than 3 years, defensive driving, driver training courses, higher deductibles.