There are a few key variables that will determine your insurance premiums.

1. Your Credit Score- Most companies run a credit check to determine an Insurance Score. This score is then used to rate your policy and determine your premium. If you have poor credit you should try to find a company that does not take credit into account (although most companies do use credit, there are still a few who do not). If you have good credit then you will be able to take advatage of that score and get a reduced rate. While auto, home, ATV, commercial auto, business property, RV, and boat policy take credit into account, it sould be noted that most health, life, cancer, and disability policies do not take credit into account.

2. Your Car- Some vehicles cost more to insure than others. For example high value/high perfomance vehicles cost more to insure, while older vehicles that are worht less cost less. Also, some smaller cars that have poor crash test ratings may cost more due to the inherit risk of driving a smaller vehicle. Also, you may or may not need full coverage (with collision and comprehensive coverages). This will control your preium greatly. If you only need liability coverage, it should be much cheaper!

3. Your House- Houses that are older have a higher replacement value and therefore will cost more than a house that is less than 10 years in age. Although, even new homes may be expensive to insure due to there value and special features. Also, the material used on the exterior may be a price driver. If a house is built out of wood instead of vinyl siding it will cost more to insure it.

4. Your Health- With relation to health, life, cancer, and disability insurance, your health will be the major price driver to determine your premium.

5. Your Driving Record- With regard to auto, ATV, RV, Motorcycle, Commercial Auto insurance, your driving record will be the major price driver to determine you premium.

6. Continous Coverage- With regard to auto, ATV, RV, Motorcycle, Commercial Auto will be a major price driver to determine you premium. The longer you have had continous coverage with no lapses the better your premium will be. If you currently do not have auto or home insurance and own an auto or home you may need to apply for a non-standard policy which will cost more than a standard policy. In some cases, private insurers will not cover you and you will need to apply for a state plan through a private insurer.