Which factor could lead to a higher auto insurance premium?

A history of multiple claims is a significant factor that can lead to a higher auto insurance premium. Insurance companies assess risk based on past behavior, and having multiple claims indicates a higher likelihood of future claims. When a driver has frequently filed claims for accidents or damages, insurers may view them as a higher risk. As a result, the premium increases to compensate for the potential costs associated with covering future claims.

In contrast, a vehicle with advanced safety features generally leads to a reduction in premiums, as these features decrease the likelihood of accidents. Similarly, a well-documented maintenance history suggests that the vehicle is well-maintained and less likely to break down or suffer damage, again typically resulting in lower premiums. Lastly, a car with low theft rates is considered safer and more secure, which further contributes to reduced insurance costs. Hence, while the other options are associated with lower premiums, a history of multiple claims directly correlates with higher insurance costs.