When shopping for a car, it’s essential to factor in all costs of ownership — such as gasoline, maintenance costs and auto insurance premiums. Knowing exactly how much your policy will cost can also be useful; unfortunately estimating isn’t always simple due to insurers considering many different factors when calculating rates.

Your age and driving history are two key components in estimating auto insurance estimates. Younger drivers or those with poor records generally pay more than older drivers with clean records; your location also plays a factor; urban drivers typically pay more than those living in rural or suburban settings; marital status and number of household drivers also factor into calculations; single or divorced drivers tend to pay more, while adding teenage drivers can increase costs significantly.

Your choice of vehicle can also have an effect on your quote; some models tend to be cheaper to insure, with features like anti-lock brakes and airbags helping lower premiums. Other considerations, such as theft rates or costs associated with repairs or replacement could affect it too – these could make or break it.