How Do You Rate? A number of factors are taken into consideration when determining your insurance premiums. Good loss experience, coupled with experienced drivers with good driving records, will generate the best premium. Complete the following grid to learn more about how these factors impact your insurance premiums. Driver age: Years experience: Years employed:   0 1 2 3 4 5+ Total number of minor moving violations in the past three years:   0 1 2 3 4 5+ Total number of major moving violations in past three years:   0 1 2 3 4 5+ Total number of accidents/losses in the past 3 years: 0 1 2 3 4+ Once you have completed the driver information above and pressed the "Rate Me" button below, you will be given a premium indicator. Drivers with the least amount of risk potential will generate the best price, while those with the highest amount of risk probability will generate a higher premium. Contact Us  Privacy & Legal Notices  © 2008 Northland Insurance.