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What affects my car insurance rate?

Auto insurance premiums are based on a mix of factors, and they can vary widely from one driver to the next. Insurers typically look at your ZIP code and state, your driving record, the year, make, and model of your vehicle, how much you drive, your coverage limits and deductibles, your age and driving experience, and — where permitted by law — your insurance and credit history. Because every carrier weighs these factors differently, comparing multiple quotes is the best way to find affordable coverage that fits your needs. Speak with a licensed agent to review your options and see how much you could save.