Insurance companies can rate all licensed drivers 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”. This rate is affected by the year, make and model of your vehicle. It also includes your zip code as well as driving habits and driving record. The drivers age, gender and other discounts make up these rates. Be sure to call Freedom Insurance Group Inc, and one stop shop for your insurance needs. One call to 215-673-0300 will get you a quote with 15 A+ rated companies to best suit your insurance needs and budget.