1. Driving History: If the 17-year-old has a clean driving record with no accidents or violations, the insurance cost is likely to be lower. However, if there have been any incidents, the cost may be higher.
2. Geographic Location: Insurance rates can vary based on the region where the 17-year-old resides. Metropolitan areas tend to have higher insurance costs compared to rural areas.
3. Vehicle Details: The make, model, and age of the 1998 Kia can affect the insurance cost. Cars with higher safety ratings and lower theft rates may result in lower insurance premiums.
4. Coverage Limits: The amount of liability coverage selected will influence the cost. Higher coverage limits typically result in higher premiums.
5. Insurance Company: Different insurance providers have their own pricing algorithms, so comparing quotes from multiple companies is crucial.
It's important to note that some states have laws requiring young drivers to purchase higher liability coverage limits, which can impact the overall cost. It's advisable to consult with insurance agents or comparison websites to get personalized quotes based on the 17-year-old's specific situation and coverage needs.
