Why Is Auto Insurance Expensive? 
Several factors affect car insurance rates , among them claims and violation history within the last 36 months , the age of all drivers in the household , the location of the risk , type and value of vehicle being insured , marital status of the insured and drivers , credit rating of named insured in Maryland and most states , use of vehicle , These discount may also impact your rates : prior insurance home owners good student multiple car marriage prior higher liability limits at least 6 months of prior coverage educational level profession and job type length of time licensed 