
DANIEL E. answered 03/15/19
Veteran French and Property Casualty Insurance Tutor
Hi Samuel:
Of the four criteria you presented, only one would affect the car insurance premium, number of miles driven.
The year of purchase is not relevant. Only the age of the car is pertinent.
The vehicle's safety record is not considered in calculating the premium. If the car had accidents because it was unsafe, the accidents would definitely be considered in calculating the premium.
The color of the car is irrelevant in calculating the insurance premium.
Most if not all insurance companies give a discount to people who put very low mileage on their vehicles, however.
Hope this helps!