In addition to the coverage and limits you select, your premium costs are related to a variety of factors including:

•  Your driving record

•  Multiple line discounts (two or more cars and/or other policies, such as homeowner's insurance with the same firm)

•  Age

•  Anti-theft devices and safety equipment, such as airbags

•  Driver education courses

•  Theft/Accident rates in your area

•  Car make/model

•  Driving distances (the theory is that the more you drive the more opportunities for accidents you will have Rates can change with time and circumstance. Carriers typically issue policies for six months to one year. Review your policy regularly to make sure that your coverage and limits meet your current needs.