There is a list of criteria that insurance companies factor in when they’re deciding rates.
Every company has their own way of calculating your risk level and premium rates. You can save a good deal of money by checking into policies from several different companies.
Avoid letting your insurance coverage lapse to help keep your policy rates lower. You can create gaps in coverage if you jump from one insurance carrier or policy to another one. Your insurance company will raise the rate charged once they discover these lapses.