Filing an auto insurance claim is one of the major factor which considerably affect the cost of your premium. Here are some of the things which you have to consider: an ISO number, driving history and insurance fraud.

ISO or Insurance Services Office. When an accident occur, auto insurance providers determine the cost of the repair of any type of vehicle in an accredited auto mechanic. As a result, insurance companies pays to subscribe in an ISO or Insurance Services Office, Inc. to determine the value of the vehicle. This company rates every vehicle produced in the US and marked it with a symbol called ISO. If a particular vehicle gets a higher ISO symbol, its premium cost, its parts and repair cost is also becomes higher. These symbols relatively reflects on the insurance companies' rating system or on your auto insurance quotes. Some of the vehicles which acquire higher ISO numbers in 2005 are Dodge Caravan – Wagon, Mercury Sable - Sedan, Honda Accord – Coupe and the Audi A8 Quattro – Sedan. Generally, if you owned an expensive vehicle, it is considerably more expensive to repair and surely obtain a much higher cost of policy premiums.

Driving History. Another factor which affects your auto insurance claims as well as the insurance premiums is your driving history. This factor determine if a certain driver is considerably a safe driver or an accident prone driver, if so, insurance provider, may indicate that he or she is more likely to create vehicle insurance claim.

Insurance Fraud. There are various types of scam in car insurance. Some of which are the 'drive down' and the 'adding damage'. Drive down scam describes when the scam driver waive his hand to an innocent driver to come on through and when the victim acknowledge it, the scam driver hits the victim’s car and denies that he didn’t waive his hands for him to come through. The scam driver will collect for the collision damage and sometimes fake the medical report to collect more. While the adding damage whether the accident is scam or not, the scam driver will go to other area after the accident to make an extensive damage to their vehicle and report that the damaged occurred during its previous accident.