- Birth date
- In most provinces, insurance premiums will vary depending on age. For example, full-time students and retirees fall into different age groups whose rates are different. However, note that in Nova Scotia, age is not a factor and will not affect insurance premiums.
- Business use
- The more you use your vehicle, the higher the risk that you'll be involved in an automobile accident. People who use their vehicle for business will have a higher premium than those who do not. Business use includes driving to appointments or presentations or if you are a salesperson on the road.