Car insurance estimates can depend on a variety of factors. Some are readily apparent, like age and accident history; others less so, like where you live (urban areas have higher accident and theft rates than suburbs or rural areas); car model (more expensive vehicles tend to cost more in repairs and replacement); as well as your coverage choices like collision and comprehensive. When creating your estimate be sure to factor these optional coverage types as well.

Online calculators can be useful tools in narrowing down potential vehicles, but don’t always provide an accurate picture of what your insurance rates will be. Your actual rates depend on a combination of driving history, personal history, discounts available to you and any gaps in coverage that might increase them – continuous insurance can keep premiums manageable.

Once you’ve selected the vehicle of your choice, request quotes for equal amounts of coverage from several providers (you don’t have to provide personal data in order to receive estimates). Compare these estimates directly so you can make meaningful comparisons. Keep in mind that your coverage decisions and choice of deductible will impact both rates and payments for any claims filed against them. Anti-lock brakes or airbags may lower your rate; while advanced high-tech safety features or an ignition shut-off switch could increase it. When considering purchasing a vehicle, make sure you include collision and comprehensive coverage costs in your estimate since lenders typically require these for any loans or lease agreements.