So many variables and factors weigh down a Chesapeake auto insurance rate. The primary source of these variables and factors is the person that will be driving, the insured person and his or her relation to the vehicle to be insured. The person will be a host to a number of heavy variables that will be weighed while the insurer formulates the premium rates for the policies that are to be quoted to the prospective policy holder. The driver’s record and driving history are given pieces of information that will be weighed heavily. The person’s demographics will also be considered.