- The original cost new
- Horsepower, size, weight, other physical characteristics
- Model year
- Vulnerability to damage
- Vehicle features such as: Sports Car, Speed, Styling, Seating capacity, Handling capabilities
All of this information is spelled out in the VIN of the vehicle. The newer the faster, better handling, more expensive car will cost you more to insure. All of these factors are plugged into a vehicle symbol. The higher the symbol, look out. Once you get into the symbol 20 or higher category, you really might want to talk to your agent.