How do insurers determine appropiate premiums for policy holders?

Premiums for insurance policy are comprised of:

- A rating based on the vehicle make and model

- Whether or not the vehicle has a loan

- The age of the operator

- The gender of the operator

- The coverages selected including: liability, comprehensive, collision, uninsured motorist, personal injury protection and any additional policy features such as roadside assistance, or rental reimbursement.

- In determining premiums discounts such as Accident free, or a good student discount are included

- Your city and state

- The number of tickets or accidents the policy holder has