You might be confusing your Motor Vehicle Record (MVR) with your Consumer Credit Report. Your MVR is a documentation pertaining to your driving. It will contain items such as if your driver's license is current and if you have any points. Points are generally given for a driving infraction and the more points the worse your MVR. An insurance company checks your MVR to see how much of a risk you might be as a driver. If your MVR has negatives on it, such as a large number of points or prior license suspension it would most likely affect your policy costs negatively.

Your consumer credit report is a document that lists your credit history using information from financial institutions such as banks, merchants and other creditors. It has been studied and found that people with bad credit reports are more likely to file auto claims thus their premiums might be higher than those with excellent credit histories.

So if either your MVR or credit report were affected negatively be something that happened to you it could affect your insurance rates. It is unlikely that your car color - red - has any bearing on the premium price since car color is not usually considered in the calculation.

There are many variables that are factored in when determining a person's insurance premium and it can vary for each insurance company. To find out for certain what affected your rates call your insurance agent and ask for specifics.

Factors That Affect Your Car Insurance Premium is an article in our learning center you might find interesting to read.