Your insurance quote will be higher if the insurance company finds that you are greater risk to them.
When the insurance company determines what your quote will be they look at what gender you are, how old you are, the health of you and the various hobbies that you engage in and the job that you do.
Before an insurance quote can be given you must adhere to a full medical exam. The healthier you are the less the insurance quote will be.
A dangerous job or hobbies can push the price of your insurance quote up. This is because you are perceived as a higher risk.
To be able to lower your insurance quote and your premiums, the risks can be reduced, for example if you smoke, then you can quit smoking.
Its best to shop around and compare quotes from various companies before committing to anything, as you want the best deal that suits your needs.