How Car Insurance Rates Are Determined Your auto insurance rates are determined by a number of factors: -driving record -usage, how you are using the vehicle, work, pleasure, business -how many drivers you have and their ages -how many vehicles you have -what kind of coverage limits you want -what area you live in -your payment history -what color car you drive -your insurance credit score -your claims history -your occupation and how...... Similar Editorial : Car Insurance Rates by David Faulkner. | Source : Cheap Motor Bike Insurance