Generally, those who frequently use their car for work and travel, especially long distances, will rack up a higher auto premium. The wear and tear with frequent usage equate to higher possibilities for repairs and replacement. If you are a salesman or travel agent, you may need to list your vehicle for business use under your policy so you can be rated more accurately.
Other factors that may affect your premium include your personal information and driving record and the type of vehicle you own. Read more about your auto insurance to know your requirements and other options.