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Wednesday, June 10, 2015. 5 Top Factors used in determining your Auto Insurance Rates. 5 Top Factors used in determining your Auto Insurance Rates. Many people often ask this question, especially around the holidays…WHY ARE MY INSURANCE PREMIUMS SOOO HIGH? 160; There are many different factors that go into determining how much you pay for your auto insurance and your promise to be a good a driver isn’t one of them.  Lucky for you I have certain. Tips/tricks for lower insurance premiums.

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