Auto insurance premiums would be affected by

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All of these factors can affect your auto insurance premiums. The area in which you live can impact your rates due to varying levels of traffic congestion, crime rates, and weather patterns. Your driving record is a major factor, as insurance companies use it to determine how risky you are to insure. The type of automobile you drive can have an impact on your premiums due to varying costs of repairs, safety features, and theft rates. Finally, the distance of your daily commute can impact your rates, as those who commute further may be more likely to be in accidents.

Auto Insurance Premiums Would Be Affected by