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It's not too hard to figure out. California classes drivers based on the # of yrs they've been licensed. People with more experience simply get better rates, and people with particularly low experience get much higher rates. If you've got the least experience of anyone in your house, and your driving the Fit, that's influencing the premium for it. Also, California offers a Good Drivers discount to driver's who meet certain criteria, and if you're not meeting it, then that's gonna raise your premium as well from lack of the discount. California also rates vehicles using annual mileage, so cars driven less miles per year get lower rates than ones driven more. They also allow for "extra vehicles" -- i.e. if there's only 3 drivers in the house and you have 4 vehicles, that one "extra vehicle" can be rated at a very low premium due to lack of use. Don't for get any violations, accidents, etc. being surcharged. W/o looking at your family's insurance directly, it's hard to say, but these are some things that are going to have an effect on it.
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