Auto insurance calculators offer an effective way of estimating car insurance costs online. Often provided by large car insurers, these tools give an estimate of total policy costs with specific coverage limits and coverage options selected – such as selecting a lower deductible which could increase premium costs since more out of pocket claims will need to be filed against. Most drivers should consider having at least liability coverage and optional add-ons like collision and comprehensive policies as a minimum level of protection.

Your vehicle makes an impactful statement about who and what drives it. In general, safer cars that cost less to repair or replace tend to be cheaper to insure; however some high-tech safety features could even increase rates! Furthermore, certain cars may be more prone to theft and vandalism and therefore more costly for insurance purposes.

Be mindful that an estimate generated from a car insurance calculator may differ significantly from what you receive later, since each company uses different information when generating quotes and you may modify any details during quoting processes (for instance your driving history and personal info may change).

Before buying a car, always compare quotes from multiple providers and obtain initial estimates from multiple vehicles. A tool like NerdWallet makes this easier by providing initial quotes without revealing personal data – then consider the cost of car insurance when selecting the next car!