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Some drivers could be eligible for initial coverage as low as $25!*

Big cities have higher accident rates than smaller ones. Insurance companies are well aware of this and will give you a higher premium if you live in a heavily populated city. Other factors can include your local crime rate, where you park your car, and your distance to the nearest police station.

Rates also vary according to the model of car you drive and how you drive it. Car safety ratings, your driving record, and the model’s claim record are all factored into your premium. A sports car will likely have a higher rate than a SUV, and somebody with a bunch of speeding tickets will have a higher rate than somebody without.

You may be eligible for special rate discounts that many insurance providers offer. Discounts are commonly given to people with Anti-Theft devices, clean-air vehicles, bundling multiple cars or lines of insurance, or making bi-yearly payments instead of monthly..