Car insurance calculators can help drivers estimate how much it will cost to buy their desired coverage and can then be used to compare policies from different providers. They’re especially helpful if you’re deciding between vehicles or what comprehensive and collision coverage to purchase, since estimates generated by these calculators only represent an estimate based on information you enter – your final rate can depend on various other factors so it may be wise to speak to an agent or broker to receive an accurate quote.

Not all rating factors have the same influence on your premium; such as driving history and vehicle type. When looking at coverage amounts and discounts available to you – some could save significant sums!

Time on the road can have an effect on your rate as well. Typically, the longer you drive increases your risk of an accident; thus, more coverage may be needed and therefore higher premiums.

Drivers with poor driving records such as DUIs, speeding tickets or at-fault accidents often see their premiums increase exponentially due to being seen as high-risk by insurance providers. However, drivers may see rates decreased over time provided no incidents occur on their records.

Driver’s credit histories play a large part in calculating insurance premiums. Data shows that those with poorer scores file more claims than those with higher ones; however, certain states don’t permit using credit scores in determining premiums.

Other rating factors that could impact your car insurance rates include the age and gender of drivers in your household as well as whether there are teen drivers living within it. These variables vary considerably by state. Furthermore, your city of residence could have an influence over your premiums due to factors like crime rate and population density.

Consideration should also be given to the make and model of vehicle you intend to buy, as this can have a profound effect on your insurance rates. Insurers take into account repair costs as well as likelihood that it will be stolen or involved in an accident; some models, like sports cars, tend to have higher theft and crash rates than others – hence more costly insurance premiums should be expected from such vehicles compared with their counterparts – making comparison car insurance quotes essential when searching for your new ride.