If you haven’t shopped for car insurance in a long time, you may find it interesting to see what insurance companies use in calculating an auto premium besides the obvious age, marital status and address, year and type of vehicle, usage, coverage limits and driving record.  Some of the latest determining factors are credit, occupation, education, being a homeowner, having 6 months prior coverage, amount of prior bodily injury, annual/limited mileage, advance quoting and paying in full.  Of course, multi car, multi policy, defensive driving and other insurance discounts still apply.  Adding kids into the mix impacts a rate as well.  Call us today at 516-484-5200 to learn more or to get a quote.