* Your driving record: Accidents and tickets significantly increase your premiums.
* Your age and gender: Younger drivers, especially males, generally pay more.
* Your location: Insurance rates differ by state and even zip code due to things like crime rates and accident frequency.
* Your car: The make, model, year, and safety features of your vehicle affect insurance costs. Expensive cars and those with a history of theft are generally more expensive to insure.
* Your coverage: The type and amount of coverage you choose (liability, collision, comprehensive, etc.) directly impacts the premium. Higher coverage limits mean higher premiums.
* Your credit score: In many states, your credit score is a factor in determining your insurance rates.
* Your driving history: How many miles you drive annually also plays a role.
* Discounts: Many insurers offer discounts for things like bundling insurance policies (home and auto), good student discounts, safe driver discounts, and anti-theft devices.
To find out how much *your* car insurance would cost, you need to get quotes from multiple insurance companies. You can do this online through their websites or by calling them directly. Websites that compare insurance quotes can also be helpful. Be sure to provide accurate information when getting quotes.
