What goes into determining my auto premium?

Many factors are used by insurance companies to calculate the premium they will offer to a customer.

Some of the factors are age, credit, driving record, type of car, annual mileage and even the zip code you live in.  These ratings vary from company to company so it is not unusual to get a different premium from one company to the next. 

Auto insurance companies provide many discounts to assist drivers in reducing their auto policy premiums.

Of course one of the more obvious is if the driver or drivers have clean accident free records.  But there are many others that might apply.  Low mileage, owning a home, and having multiple vehicles on a policy are a few. 
Have your agent review these discounts with you.  You may not have qualified at the time you originally started your policy but you may qualify now.