Driver record
Years licensed, accidents, convictions and training can affect the risk profile.
Vehicle
Claims cost, theft exposure and vehicle characteristics affect pricing.
Location and use
Where the vehicle is kept, annual kilometres and commute/use patterns can matter.
Coverage selections
Liability limits, optional accident benefits, physical-damage coverage, deductibles and endorsements can change premium.
Insurer matters
Different insurers can price the same driver differently within approved rating systems.
Ontario-specific educational summary. Your actual rights and coverage come from the Insurance Act, regulations, the current Ontario Automobile Policy (OAP 1), your certificate, endorsements and the facts of the claim. Do not change coverage based only on a general web article.