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Age & History: Younger drivers and those with violations pay more.
Car Model: Safer, cheaper-to-repair vehicles usually cost less.
Location: Accident, theft, and legal trends in your state affect rates.
Coverage Levels: Higher limits = higher cost but more protection.
Add-ons: Extras like roadside help or rental coverage increase premiums slightly.
Note: Estimates only. Actual quotes depend on insurer underwriting, credit, mileage, and more.