Auto Insurance Rates are dependent on a large number of factors, and are constantly changing. Age and sex are the first deciding factors, but after that, the factors range depending on the individual driver, the type of vehicle, and the type of coverage. In setting auto insurance rates, the insurance company will review the driver's record. If they have points on their record and a history of violations, the insurance will be higher. If a driver has insurance and gets a traffic violation, this will also increase their insurance rate. In addition, while insurance companies use points on a record to raise rates, they often do not lower them when the points come off a record, as they have their own timetable that they follow. As a result, most people work to either have traffic citations lowered in severity or removed all together in exchange for attending some form of driving school.