o Your driving record – drivers with previous violations or accidents are considered to be higher risk
o Your geographic territory – urban areas have more claims than rural areas
o Your gender and age – males have more accidents; certain age groups have more claims
o Your marital status – married people show lower rates of claims
o Prior insurance coverage – if you have been cancelled for non-payment of premiums
o Vehicle use – higher annual mileage results in higher exposure to risk
o Make and model of your vehicle – luxury and sports cars average a higher number of claims
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