When you’re searching for the best rate on your auto insurance, there are several things that can affect your quote. While your driving record is a major factor in determining your insurance premium, there are several other things that insurance companies look at as well. Your age. Middle age is a good thing when it comes to your insurance rate. Many premiums go down around the age of 21 and again at the age of 25. And once you reach a certain age they may raise again–usually