Ayomi Shanika

in the household -- the policyholder and his or her spouse, and other household members, whether or not they are related by blood. This includes roommates. As a result, insurers generally base their premiums on all household members.
Insurance companies base auto rates on a variety of factors. The premium you pay consists of a “base rate.” The base rate is adjusted based on factors such as your age, sex, marital status, driving pattern, claims history, location, credit history, and the make