Naturally, your driving record plays an enormous part in the rates you pay — and contrary to what some drivers out there think, you do have control over this. A speeding ticket, a DWI charge, a charge of reckless driving — these violations can cause you to be penalized for up to five years, in addition to making your rates outrageous. It just is not worth it.
Even your credit rating affects your premiums. A driver with a poor credit rating, or no credit at all, will generally have to pay higher rates.
Believe it or not, these days even your occupation will affect what you pay for car insurance. Some occupations are considered riskier than others — like someone who delivers newspapers, for instance.
Studies also show that the more education you have, the less you may have to pay.