(1) Factors which an insurer may take into account to determine rates or premiums for motor vehicle liability and property coverage include, but are not limited to:

(a) the age of the driver;

(b) the sex of the driver;

(c) the marital status of the driver;

(d) the length of driving experience;

(e) the number of years licensed to operate a motor vehicle;

(f) a determination of which driver, among several insured individuals, is the primary driver of a covered vehicle, based upon the proportionate use of each vehicle insured under the policy by individual drivers insured or to be insured under the policy;

(g) average number of miles driven over a period of time;

(h) type of use, such as business, farm, or pleasure use;

(i) vehicle characteristics, features, and options such as engine displacement, ability of vehicle and its equipment to protect passengers from injury, vehicle make and model, and design characteristics related to damageability of the vehicle;

(j) commuting mileage over a period of time;

(k) the number of cars insured or number of licensed operators in the household;

(l) the amount of insurance;

(m) the anticipated cost of vehicle repairs or replacement, which may be measured by age, price, cost, or value of the insured automobile, and other related factors;

(n) geographic location;

(o) the accident record of the insured, including accidents for which the insured, although not cited, was substantially at fault; and

(p) the driving record of the insured, including citations.