When looking for a car, it’s essential to factor in all costs associated with ownership – gas, maintenance costs and car insurance coverage are just a few examples of such expenses. An auto insurance estimator tool can be useful in helping determine how much coverage will cost; but keep in mind these estimates may change based on personal factors like your age, driving history and location.

One of the primary factors in estimating car insurance payments are your chosen coverage types and limits. Start with what your state requires in terms of liability coverage before considering additional types like collision or comprehensive. It also pays to know your credit score as these can have an impactful effect on your rate.

Although the exact cost of car insurance depends on many different factors, there are ways you can lower your rates and get an accurate estimation using an online calculator. For example, young or inexperienced drivers with multiple tickets or accidents will pay higher premiums than experienced older drivers with no history. You could also reduce premiums by bundling policies together and paying down outstanding debts or credit card balances more quickly.

As part of your evaluation, take note of vehicle characteristics that could potentially raise or lower your rates, such as anti-lock brakes and airbags as well as anti-theft devices. Also keep in mind that vehicles with salvage or rebuilt titles tend to incur higher insurance costs compared to ones without such marks on them.