Individual driving record used to be a major factor in rates, but that is increasingly less of a driving force than other personal factors and regional concerns. For example, if the area defined as your home location suffers from high rates of vandalism or theft or uninsured drivers, your rates can go sky high even though your driving is perfect in every way. Even your credit rating is now a major indicator in many rate tables. Insurers are continually re-analyzing dozens of factors that track well with claims potential and each policy gets re-rated at renewal. If some factor in your rate has been assigned a higher risk quotient, your rates go up. Another company may be using different factors or assigning different risk quotients and come up with a much lower (or higher) rate.
