Some factors that may affect your auto insurance premiums are your car, your driving habits, demographic factors and the coverages, limits and deductibles you choose. These factors may include things such as your age, anti-theft features in your car and your driving record. It’s important to know that there are other factors that may also affect the price you pay. Factors that affect your rates: Your car-Some vehicles cost more to insure. Cars with some of the newer safety fe