Car insurance rates depend on many variables, making estimating them an intricate task. Online calculators may help, but talking with an insurance professional and requesting a quote will give you a much clearer idea of your payments. Here are a few tips to assist in this estimation process:

City drivers generally pay more for car insurance as there is an increased risk of accidents, thefts and vandalism. Your make, model and manufacturing year also play a factor as insurers consider repair costs, theft rates and safety ratings when calculating pricing for new or used cars. Furthermore, having had salvage or rebuilt titles on previous vehicles could increase premiums as some carriers consider them high risk vehicles that require collision and comprehensive coverage.