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Premiums and Influencing Factors
What factors significantly affect premiums?
Common factors include:
- Age
- Marital status
- Driving record (violations/accidents)
- Insurance and driving experience
- Address (postal code risk area)
- Vehicle model and value
- Usage (commuting/commercial/recreational)
- Annual mileage
- Personal credit (requires consent to check and varies by company)
This is general information only and does not constitute insurance advice. Your policy wording and a licensed broker's confirmation prevail.
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