Calculating your premium will depend on the type of insurance you have. Generally speaking, most insurance companies will look at factors such as your age, gender, driving history, credit score, and other factors to assess the potential risk of providing you with a policy.
When calculating your premium, insurance companies will look at the type of policy you have, the value of the item you're insuring, and the deductible you choose. If you have health insurance coverage, the premium amount will depend on the type of plan you have (HMO, PPO, etc.), the coverage and extent of benefits, the deductible you choose, and other factors.
For car insurance, premiums are generally calculated by the type of car you drive, your driving record, your credit history, the coverage you choose, and other risk factors. Property insurance premiums are calculated based on the type of structure you are insuring, the value of the property, and the type and amount of coverage you choose.
Every insurance company and policy will have different factors used in determining the premium so it’s important to shop around and compare different policies and companies to find the policy and premium that best suits your needs.