Insurazon
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    What Can Affect Car Insurance Rates?

    Review common factors insurers may consider when setting an auto insurance premium.

    Driver and vehicle factors

    Driving history, age, experience, annual mileage, vehicle type, repair costs, and theft risk can affect an insurer's calculation. The factors and weighting vary by insurer and state.

    Coverage choices

    Limits, deductibles, optional coverages, and the drivers and vehicles listed on a policy can change the premium. A lower price does not necessarily mean equivalent coverage.

    Questions to ask

    Ask which discounts apply, whether optional coverages are included, how deductibles work, and whether the quoted limits satisfy your needs and state requirements.