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Auto insurance premiums are calculated based on multiple risk factors that insurance companies use to estimate the likelihood and cost of potential claims. These factors include vehicle characteristics, driver profile, location, and driving history. Understanding these factors can help you make informed decisions about vehicle purchases and insurance coverage options.
The biggest factors affecting insurance rates are typically your age, driving history, location, vehicle type, and coverage levels. Young drivers and those with accidents or tickets typically pay more, as do owners of expensive or high-performance vehicles.
You can lower insurance costs by maintaining a clean driving record, choosing a vehicle with good safety ratings, bundling policies, increasing deductibles, and qualifying for discounts through good student status, defensive driving courses, or safety features.