Hi Folks:
Relocation: Where insureds live can impact premium, depending on crime statistics in the area. Garage versus street parking can also impact premium.
Changing Vehicles: Whether purchasing a less expensive or more expensivecar, looking for a hybrid to save on gas, paying off a current vehicle, or purchasing a “starter” car for a teenage driver, insureds should expect car insurance rate changes. The make and model of a car affects a premium.
Changing Jobs: Some consumers now have a longer or shorter commute after turning to occupations they could do from home, or relocating for a job.
Driving Less: Since a car insurance premium is partially based on annual mileage, driving less equals paying less.
Damaged Credit Score:  Whether consumers have fallen behind on bills or made a purchase they could not afford later, financial decisions that affect credit-based insurance scores may impact insurance rates. Most states allow insurers to use certain elements of credit history as one of several factors to predict the likelihood of future losses. Having a poor credit-based insurance score can result in higher premiums or, in some cases, the inability to secure insurance through some carriers.
Bob

AUTO-OWNERS Insurance, just one of our many insurance choices: