Last Updated on May 18, 2021
However, not all states use your ZIP code as a rating factor, including California. The latter has a law that forces the car insurance companies to calculate rates using your driving record, annual miles driven and years of experience.
2. Age
Guess what? Age is also a factor that can impact your car insurance. In fact, the younger is the driver of the car, the higher are the rates. Statistics show that young and novice car drivers are found to be more likely to be distracted while driving. Also, they can be quite immature while they are behind the wheel.