Why's My Auto Rate So High?

Well, there could be 20 different answers:

Insurers use as many as twenty factors to underwrite auto insurance policies. All things being equal, an auto policy holder will pay less if any of the following conditions apply: clean driving record, reside outside an urban area, credit rating is high, age 25 or older, female, married, make and model of vehicle is not prone to theft or is not considered high-performance.

Today's quote from the Insurance Daily Calendar.