![]() Your business may require a higher liability limit. If you use your car for commercial purposes: If you use your car for work purposes (other than commuting), you may need to get commercial car insurance. How often you drive: The number of kilometers you drive your car per year will affect your insurance premium. This determines the cost and value of the car, safety features, and repair costs. Your car: The make, model, and year of your car can affect your insurance premium. ![]() Here are 7 of the key factors that insurance companies take into consideration when calculating your car insurance premium: There are a number of factors that determine how much your car insurance will cost.
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