What factors can affect a driver’s insurance rates in Guam?

The correct answer emphasizes key elements that directly impact an individual's insurance premiums. Driving history is crucial; a record of accidents or traffic violations can lead to higher rates, as insurers view these drivers as higher risks. Additionally, the type of vehicle plays a significant role; high-performance or luxury vehicles often incur higher insurance costs due to their repair costs and theft rates. Lastly, location matters as regions with higher crime rates or accident frequencies typically see increased insurance premiums. Together, these factors form a comprehensive basis for determining insurance rates, making this option the most accurate response.

While aspects such as personal relationships and age or gender may influence pricing, they do not encompass the broader and more significant categories affecting insurance rates like driving history and vehicle type do.