The basic of auto insurance is auto insurance company make money when the insured don't involved in accidents and/or don't file claims, but if the opposite happens, they will lose money. Therefore, auto insurance company have to calculate and predict driver risk factor accurately. The insurers will charge you raised premium to avoid increased payout.

New Car

New car is an asset which worth more money than older model, so it will cost more to replace. If you lease a new car purchase, most lenders require you to carry full coverage at a stated level. Keep in mind that not only flashy sports car or other high-priced model which will increase your premiums. Certain car model like Honda Civic could spike your premiums as well because it most stolen models in the United States.

Increasing Commute

Long commutes can boost your auto insurance premiums. It's not only cost you time and fuel, but also risk to get into accidents during rush hour. Especially if you have a profession with frequent driving, the risk of an accident is big. So, auto insurance company will likely increase your rates.

Residency

City residents have more accidents statistically which people who live in those area charged with higher premium than driver who live in rural areas. Of course actual risk is calculated by the zip code you live in. 

Marital Status and Age

If you are under 26, male, you will pay more. People who unmarried and/or without children also part of higher-risk category than married couples with kids.

Traffic Record

Most insurance company checking your traffic record and traffic violations (if any) periodically, applied for their new and existing customer. If you have a traffic violation and your insurer examine it, expect to pay higher auto insurance rates next year. It is important note, that having no accidents or tickets will lower your auto insurance premiums.

Skipping Auto Insurance

If you have a thought to skip auto insurance in order to save your money, don't do that. Not having auto insurance, even for just 30 days, will make your premiums jump higher.