What kind of car do you drive?

It stands to reason, the more you use your auto, the higher the odds that you'll of be involved in an automobile accident at some time. So, all other factors being equal, people who don't do much driving tend to pay much lower premiums than than those that have a long commute to work, or do extensive amounts of driving for other reasons. Also of major importance, is who is using the vehicle.
Your automobile insurance premium costs will also likely be higher if you have inexperienced drivers in your family or a number of different drivers using the car.