Some of them you control and some you do not, and in California the state sets the rules for which ones an insurer may use.
Three factors must carry the most weight in every California auto premium, in this order: your driving safety record, the number of miles you drive each year, and your years of driving experience. Insurers may then apply optional factors approved by the Insurance Commissioner. These include the type of vehicle, how it is used, and the ZIP code where it is garaged. Others are whether the household has more than one vehicle or policy, completion of an approved driver training course, and marital status.
Credit history and gender cannot be used to rate a California auto policy. If a quote seems out of line, ask which of these factors is driving it; a clean record and accurate annual mileage do more for your rate than anything else.
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