1. Making a claim on your vehicle insurance can increase your rates.  If you are in an accident, most insurance companies will refer to the industry standard and increase your premium by 40% right after your very first accident.  This is if you are at fault of course.  You can protect yourself by using insurance companies that offer a "forgive the first accident policy".  You may have to qualify for this type of coverage but it will be worth it.
2. How poor credit can negatively impact your auto insurance quote.  If you have some blemishes on your credit report, insurance brokers will often factor this into your insurance rate.  One suggestion is that before you request your auto insurance rates, clean up your credit score.  If this is not possible, be prepared to pay higher premiums.
   
3. Different cars will have different premiums.  The insurance industry ranks different models of vehicles on a scale of 3 to 27.  The higher the score, the more expensive your premium will be.  This scale is not published by insurance companies so the only way you will know if your premiums will rise when buying a new vehicle is to call your insurance broker and ask.
   

There are a number of hidden auto insurance facts that very few people know about.  If you have a good insurance broker, they may reveal some of them to you over time.  The best thing for you to do when investigating auto insurance rates is to do your own due diligence and to shop around.  There are a number of excellent companies that offer online auto insurance quotes for free.  Be sure to check them out before signing on the dotted line.