When searching for auto insurance, there are a few things that go into a person’s rates, such as their zip code, their driving record (tickets, accidents and DUI’S), the amount of miles you drive, credit score, education level (and grades), occupation, the safety features your car has (airbags, theft device and antilock brakes), the type of coverage you select, the amount of your deductibles and any additonal discounts that may be applicable to you.