Most drivers are already fully aware that each auto insurance policy's rates are customized based on age, gender, driving record, and the make in model of a vehicle. But these are just a few of the many aspects affecting car insurance rates. There are 5 key factors that will impact your car insurance rates that you may not know. 1. Marital Status: Believe it or not, your marital status can often affect your car insurance premium. With many companies reducing those premiums significantly, it pays to know whether you can be discounted as a married couple. It has been factually documented that those who are married tend to be better and more safety conscious as drivers than those who are single.