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Risk Factors and Its Effects on Car Insurance Premiums The premium that drivers pay for auto insurance depends on certain factors, specifically called risk factors. Based on previous driving records, miles driven per year, age, etc, a driver's risk factor is evaluated and is directly proportional to the insurance premium he or she must pay. [VIEW ARTICLE]Comments RSS Feed For This Article: 
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Subject: Age
It should be noted that age is also a major factor when determining premiums.