Insurance companies use an extensive list of factors to determine your insurance rate. Contrary to popular belief, agents do not directly impact their clients’ insurance rates. Factors such as age, marital status, gender, driving record (claims, accidents and violations), credit, home ownership status, previous insurance limits and address can all influence the rate you receive when shopping for insurance. Many companies’ rate tiers go over 1,000 with very complex calculations. This is why just because your friend or neighbor gets a good rate from one company doesn’t mean you will get the same good rate. A good independent agent can help you shop for the company that is right for you.