Cheap auto insurance in Seattle WA is what helps you get the best auto insurance deals in a place such as Seattle. One of the ways you can drive around this city without getting into any form of trouble with the law is by buying car insurance. Many people who have attempted to circumvent this simple rule have ended up having to pay more out of their pockets. There are undeniable benefits that are attached to getting affordable car insurance quotes in Seattle WA even though most of them appear to be quite expensive at first sight. You only have to look in the right places, and you should find something that will fit your budget and benefit you immensely in the long run.
To get the best car insurance companies in Seattle WA, rates, you need to understand some of the factors that influence the prices. The price can either be high or low, depending on a number of factors. Having sufficient knowledge about your state laws, insurance policy, and other factors that determine the rates is extremely necessary if you are going to find suitable car insurance.
Car insurance providers will normally define an insurance package for you after considering a couple of factors. So it is not only about where you live or the type of car you drive. Getting affordable car insurance is quite more than that. For instance, if you are staying in a location where the rate of vandalism and theft is high, there is that tendency for you to pay higher for comprehensive car insurance than someone who stays in a relatively peaceful area. Or do you live in a place where the rate of accidents is relatively higher? If yes, you will not pay the same insurance rate as someone who lives in a place without such experiences.
Another aspect you need to be cognizant of is the fact that different companies with their different price tags for all the various risk factors. That means you also need to look up the company you have chosen to buy your car insurance from. The insurance puzzle surely contains so many parts. Getting the best auto insurance package in Seattle means you need to take a holistic look at all of the different factors.
Perhaps, you are wondering how you can assess all of these factors together, so you can buy cheap car insurance in Seattle WA. That is where insurance quotes become necessary. In Seattle, you don’t need to pay a dime for insurance quotes. Request insurance quotes from as many companies as possible before you settle for any. That will help a lot. Let’s break down the whole thing in this piece.
The Best Cheap Car Insurance Companies In Seattle WA
A list of the cheapest full coverage insurance policy in Seattle will be listed below;
The above table was the result of a study that was carried out on an individual who had a full coverage policy. It means that yours will be different because the insurance companies will base your rate on a number of individual factors as well. The figures you see on the table are likely to change after a set time. They are never fixed. And you can take that to your advantage by constantly searching for quotes to see who is offering any discounts that will benefit you. Insurance companies do this deliberately to lure others to switch to theirs.
Average Cost Of Car Insurance In Seattle WA
Seattle WA Auto Insurance Requirements
The compulsory auto insurance policy in Washington stipulates that anyone who drives a vehicle or motor must meet any of the below requirements to do any of the following:
1. Possess liability insurance that costs a minimum of:
- $25000 for any injury or death that could result in an accident caused by you.
- $50,000 for all the injuries or deaths caused in the event you are the cause of the accident
- $10000 that will be disbursed to anyone whose property will be destroyed in the course of an accident.
2. Request a certificate of deposit as an assurance of financial responsibility should there be an accident from the Department of licensing in the state.
3. You are to have a $60000 liability bond at least.
Many drivers in Washington honor this by securing liability insurance. Liability coverage is what covers for property damage, medical bills, as well as other expenses relating to the passengers, pedestrians, and drivers that may have been caused by an accident you caused. It goes as far as coverage limits. You are recommended to go about with extra coverage just in case you are involved in a crash that is really fatal. That is because if you exhaust your policy limits in the case of a serious car crash, you will have to settle the extra bills yourself, and that can be frustrating. Therefore, higher insurance limits are a better option in the event of a severe car crash.
Liability coverage also applies when the person driving your car at the time of the incident got your permission to drive. It could be a family member or friend. It equally applies when you get into an accident in a rental car.
That said, you should remember that liability coverage will not be useful if, after a Washington car crash, you experience damages or sustain any injuries. For instance, collision insurance is what will cover such damages.
How To Get Cheap Car Insurance Quotes In Seattle WA?
You are assured of cheap auto insurance in Seattle WA, if your driving record is clean. Drivers who don’t pose many risks to insurance companies will definitely get the lowest rates from them. You can equally get low rates when you avoid crashes, speeding tickets, as well as DUIs.
Maintaining a Clean Driving Record For Several Consecutive Years
If you are looking forward to affordable car insurance quotes in Seattle WA, then you really need to get started with this car insurance. Insurance has no choice but to put you in the category of higher liabilities when your driving history is marred with collisions, traffic infractions, and even DUIs. That means you will have to pay higher for your insurance premiums.
Follow these tips to ensure your driving record remains clean;
- Abide by traffic rules and regulations
- Refrain from driving whenever you are drunk or on drugs
- Reduce the amount of time you stay behind the wheels driving.
- Subject your vehicle to regular maintenance to reduce the chances of a crash
Ask about discounts
- Combines car insurance together with other policies
- Uses one policy to insure more than one car
- Have a driving record that is clean
- Pays for the whole six-month or annual premium once
- Is okay with receiving documents via the internet
- Equips their car with anti-theft or safety features
- Is a member of an affiliate group or professional organization
- Make sure to compare the rates from different insurers because their long lists of incentives can be quite misleading.
Opt For Less Car Insurance Coverage
While less car insurance coverage will reduce the number of premiums you have, it is something that can also bring you benefits eventually. It will take you one second to make the wrong judgment, and an accident can occur. Things can get really ugly if you have insufficient insurance coverage or if the person at fault (the other driver) does not have any form of insurance. You really don’t want to get into such situations. Usually, the best to respond to this is by buying a liability coverage that is above the lowest limit of liability coverage for your state, as well as including coverage for an insured motorist that corresponds with your liability coverage’s limits. Though this may not look like it’s much when you consider how much you are saving every month, it could be much when you check it over a long period.
When your policy is almost due, you can employ these tips to save yourself some money.
Purchase A Vehicle That Is Cheapest To Insure
There are various car details that can influence your insurance rate. The model, year, and make of your car significantly impact the cost of insurance. All these parameters come into play when it comes to theft and vandalism and therefore influence the insurance cost. This means ensuring a vehicle will cost more because they are not on the same scale in terms of liability.
Look for a vehicle that has not been associated with claims or accidents. Cars with low-speed limits seem to attract the lowest insurance rates because their chances of being in a collision are pretty low.
Consider Switching Auto Insurance Providers
Do not make the mistake of sticking to one auto insurance company. That is not wise, and you will not be doing yourself any good. All the best car insurance companies in Seattle WA have their basis for computing their insurance packages. One company might employ a set of parameters for their calculations, while another may employ another set of parameters.
Therefore, you should also know that these rates seem to change with time. What may appear to be high today for your own situation may turn out to be lower tomorrow for that same situation of yours. It is never static, which is why you must constantly search for their rates to see which one will fit with your budget the most and switch accordingly.
Out of convenience, you may want to remain with your carrier for as long as possible. That might be a good idea. But you are equally recommended to check quotes from other best auto insurance companies in Seattle WA, from time to time to see what they are offering. That will help you in making the best of choices.
Whenever you notice there is a sudden increase in your insurance premiums due to an accident or other factors, check with other providers to see if switching to them will be worth it. Whatever you do, do not remain with one carrier.
Increase Your Deductibles
Deductibles simply refer to the money you have to pay before your insurance company takes over the situation should there be a theft, an accident, or any other thing that could cause the vehicle damages. When you are choosing car insurance, it is normal for you to choose the deductibles. Deductibles can range between $250 and $1000; it all depends on the policy. Please note this – the more deductibles you choose, the lower the amount you have to pay for your premiums. It is vice versa. Just have a frank conversation with your insurance company, requesting that they let you know how your deductibles can affect your premium. If you want to avoid your premiums spiking because you have filed for smaller claims, increasing your deductibles looks like a smart choice. Don’t get the impression that increasing your deductibles will cost you more. It will not. It is actually cheaper because you get to pay lower premiums.
Seattle WA Car Insurance For Drivers With A Good Record
Looking for cheap insurance when your driving history is clean should not give you a hard time. A lot of car insurance companies use this parameter to compute your insurance cost. Ordinarily, most insurance companies would prefer to work with drivers who have built up a positive reputation for themselves in the area of driving. A better driving history significantly improves your chances of ending up with lower insurance rates. Paying attention as much as you can when you are driving and ensuring you are not breaching any laws will amount to safety and more savings for you.
Insurance companies are always looking for good drivers to work with. By their definition, a good driver is someone who has experience and has a clean driving history. Here is the cheapest car insurance for the different companies in Seattle.
|Insurance Company||Full Coverage|
Seattle WA Cheap Car Insurance Quotes For Young Drivers
Drivers who are young are likely to get the highest rates if you consider how much other drivers pay. Without a doubt, younger drivers are by far the riskiest group of drivers on the road since they lack the required experience on such roads. That is why the best car insurance companies in Seattle WA are so eager to get involved with young drivers.
Student discounts are a great option for young drivers who end up with a grade of B or higher. The best way a young driver can get lower insurance rates is by going for student discounts. According to our study, these five companies offer the lowest insurance rates in Seattle WA, for young drivers;
Cheapest Minimum Coverage For Young Good Drivers In Seattle WA
This is the breakdown of the cheapest minimum coverage for young drivers who had a clean driving history in Seattle WA:
Young drivers normally pay higher insurance premiums. Having said that, there are a couple of activities you can still do as a young driver to save yourself some bucks. Search for all the best car insurance companies in Seattle WA that are offering discounts and leverage any of them. A lot of insurance providers offer various forms of discounts that are befitting for young drivers. For instance, there are discounts for young drivers with good student discounts, young drivers who engage in defensive driving courses, discounts for students who are away from home (for those on parent’s policy), and multiple policy discounts for people with homeowners or renters insurance. Understand that the averages and rates displayed above were only approximated.
Cheap Car Insurance In Seattle WA After A Speeding Ticket
Stepping on the pedal to increase your speed is one temptation we all face when we are zooming on the highway. But, you need to understand that there is a good reason for those speed limit symbols you see all over the place. Over 9,000 lives were lost to speeding alone in 2018. That is why insurance companies regard drivers who always feel the need for speed as highly risky.
Anytime a speeding driver is caught in such an act, they get rewarded with some negative points. Those points consequently determine how much their insurance rates will cost.
|Mutual of Enumclaw||$1,835|
Cheap Car Insurance In Seattle WA After A Car Accident
If you’ve been involved in one accident as part of your driving history, and you also happened to be the one at fault on that occasion, we have noticed that PEMCO is offering the cheapest insurance rates to such people. They charge an average rate of about $2,389 for a year.
|Mutual of Enumclaw||$2,951|
Drivers who have been at fault in an accident get high charges from insurance companies. That is why such drivers pay much higher than other drivers who do not have such experiences. Drivers who are at fault in an accident can choose to ask for forgiveness. The only disadvantage with that option is that the process is lengthy.
Cheap Auto Insurance Quotes In Seattle WA After A DUI
You certainly do not need anyone to remind you that driving under the influence of alcohol or drugs is highly prohibited in all states and in all countries. It is a serious crime when you take into account the laws of many places. The affected driver may opt for fallout as an alternative measure. The only drawback with that approach is that it will be a lengthy and slow process. It comprises court fines, SR-22 filing, reinstatement fees, and a host of others.
What should be your concern here is that your insurance rate will increase. You can be sure of that because your insurance company will see to that. Drivers with DUI normally struggle to find cheap car insurance deals.
That is why we have gone through the rigors to get you the most affordable car insurance quotes in Seattle WA, for drivers who have a DUI.
|Mutual of Enumclaw||$1,932|
Cheap Auto Insurance Quotes In Seattle WA For Minimum Coverage
For the least coverage car insurance policy, State Farm happens to be the cheapest insurance company in Seattle WA. With the help of our research, we discovered that drivers who are insured by State Farm in this regard do pay an average premium of $579 per year. That is almost $49 per month. It is cheaper than the average cost for Washington, which is $824.
|Mutual of Enumclaw||$964|
Minimum car coverage insurance usually aligns with the least coverage according to state law. But they are quite distinct from full coverage since they are devoid of collision and comprehensive insurance. Although minimum coverage is not against the law, it might prove to be insufficient if you are involved in a serious car crash.
Cheap Car Insurance Companies In Seattle WA For Drivers With Bad Credit Score
Experian conducted a survey on credit scores in 2019, and they discovered that the average credit score in the whole of the US is about 703, while that of Washington was about 723. That was an indication that most people had good credit scores. But, the earlier you start learning about the financial implications of a bad credit score, the better.
Just as it is with lending institutions, a bad credit score will force your prospective insurers to increase your rates. After carrying out our own mini-survey, we also discovered that drivers who had bad credit scores are paying up to 47% much more than their counterparts who have good credit scores in the state of Washington.
If your credit score is bad and you want your insurance premium to below as well, then we strongly advise you to go with State Farm. With a yearly payment of $975 or a monthly payment of $82, State Farm looks like a viable option for an individual with a bad credit score. Their rate is a lot cheaper than what the state is offering to drivers who are struggling with poor credit scores.
|Mutual of Enumclaw||$1,382|
If your credit score is bad, then find out from the insurance provider if that will have any bearing or impact on how much your insurance package would cost. It is also good for you to take deliberate measures that will help you improve your credit scores, as that will guarantee cheap auto insurance in Seattle WA.
Cheapest Car Insurance Companies In Seattle WA For Seniors
Senior drivers are entitled to a number of benefits as well as challenges when they decide to take on the wheels. With their age, there is every likelihood that they have a huge wealth of driving experience. But it is also true that because of their age, they will automatically struggle with things like shorter attention span and vision impairment. Such attributes can increase their risks behind the wheel. A disturbing statistic in 2017 revealed that approximately 13% of all the fatal crashes in Washington actually had a link with being a senior.
Insurers determine the insurance rates experience drivers have to pay based on a number of indices. These factors include gender, age, and driving history. If you seek affordable car insurance quotes in Seattle WA, especially for seniors in a state like Washington, Seattle WA Auto Insurance Company might just be your best bet. Inform them of seniors’ driver discounts, as that will help to bring the rates down.
Who Offers A Cheap Car Insurance In Seattle WA For Married Couples?
You may not have thought of it, but your marital status equally has a way of impacting how much you will pay for your auto insurance. Here is a breakdown of all the rates of the top best car insurance companies in Seattle WA charge married couples for insurance.
|Company||Married couple rates|
|Farmers Insurance Group||$1,754|
|PEMCO Mutual Insurance Company||$2,265|
|State Farm Insurance Company||$2,371|
What Are The Various Types Of Seattle WA Auto Insurance Coverage?
It is possible that you already have an in-depth knowledge of car insurance. However, we have also come to discover that not too many people know of the various types of cheap auto insurance in Seattle WA. If you intend to buy auto insurance, it is best you have a profound knowledge of the various auto insurance along with their liability coverage. This will enable you to get the right deal. Okay, let us go through the various types of car insurance, how they function, as well as whatever they cover.
With collision insurance, damages may be catered for if your car has been involved in an accident or collision with another vehicle. This type of insurance may be useful for replacing or repairing damages in a car that is covered.
This type of insurance is necessary for providing extra coverage in case you are involved in an accident with another car. It may be enough to take care of any damages that have occurred in your car because of collision, vandalism, accidents involving animals, and damages occasioned by natural disasters.
Uninsured Motorist Insurance
This particular insurance type will be of great benefit to you should you be involved with a hit & run vehicle or a vehicle that is not insured. Insurance companies like to pair this insurance type alongside underinsured motorist insurance.
Underinsured Motorist Insurance
A lot of drivers prefer the least type of liability coverage because they want to save some bucks. Unfortunately, this has not provided adequate coverage for a lot of them. This insurance type guarantees your adequate protection in the event that you are hit by a driver that has an insufficient coverage type.
This type of insurance is designed to take care of car maintenance. Do you want to avoid the hassles of getting stuck in the middle of nowhere when your car goes bad all of a sudden? Roadside insurance is exactly what you need for that.
Original Parts Replacement
This type of insurance is concerned with the replacement of vehicular parts. You don’t need to start running from pillar to post when you have an urgent need to replace a bad part of your car. Original parts replacement insurance will supply you with car parts that have been manufactured by the original manufacturers.
You cannot drive a car if you don’t have this insurance coverage in many of the states in America. This type of insurance can cater to any injuries or property damages that may have resulted from an accident you have caused.
Rental Reimbursement Insurance
Thinking of how you can find your way back home immediately after an accident can be highly frustrating. This type of insurance is designed to help make arrangements for a rental car for you if your car is in very bad shape.
Classic car insurance
This kind of insurance provides special coverage for collectors of classic and vintage cars. It’s best for you to do your background work to know if this type of insurance will work for someone like you.
New car replacement
Coming out from any situation that might render your car a complete loss can be quite disheartening if you don’t have any plans to replace that car. That is what this insurance type does for you. It is capable of paying for the new car that has the same model and makes, with your deductible subtracted.
Medical payments coverage
You don’t want to be directly responsible for the medical bills after the occurrence of an accident. They can be quite expensive, so it is best if such bills are covered by cheap car insurance Seattle WA package. That is where the medical payment coverage comes in. This insurance type can cover any medical bills that may arise from an accident that is covered. You do not necessarily have to be at fault before this insurance type can become effective.
Personal injury protection insurance
This type of insurance could take care of medical bills, as well as any loss of income that may arise in an accident that is covered. Depending on how the policy has been drafted, personal injury protection insurance is capable of covering up to 80% of medical expenses and other expenses that may be linked to a covered accident.
Major Parts Replacement Coverage
You do not have to pay any additional costs to get your motor parts such as batteries, tires, and brakes replaced, irrespective of how that car part may have depreciated as at when that accident occurred.
The value of a car normally depreciates as time develops. That is why a car insurance settlement may not be sufficient to compensate for a loan. With gap insurance, car drivers can adequately pay back a car loan in the case of a theft or total loss.
Towing and labor insurance
This one is already part of comprehensive car insurance. This insurance may make arrangements for you to be reimbursed for towing and the labor costs for repairing your car.
Is Seattle WA Auto Insurance A No-Fault City?
Seattle WA has a unique, special ‘fault’ system that they normally abide by whenever the issue of financial responsibility involving losses that have to do with car accidents arises. This is mostly applied when the losses come in the form of lost income, injuries, vehicle damages, and a host of others. This simply implies that whoever causes the accident will also be responsible for any harm stemming from that accident. Normally, the insurer of the driver at fault should be responsible for any losses in such cases, as far as their policy limits.
After being involved in an accident in Seattle WA, you can approach the case in any of the ways that will be highlighted below;
- File a claim with their insurance company, with the assumption that such losses are covered for in their insurance policy (in such an instance, the insurer of the person who has sustained the injury will file a special claim against the insurer of the driver at fault)
- File a direct third party claim with the insurer of the driver at fault
- File a personal injury lawsuit within a civil court against the driver at fault.
Note: In states that work with no-fault car insurance, a claimant is not entitled to all of the above options. In such states, the affected person will have to turn to the personal injury protection coverage of their insurance company for the payment of medical expenses, as well as other losses, irrespective of who might have caused the accident. You can only make a claim against the driver at fault if your injuries get to a certain extent. Thankfully, Washington drivers do not have to bother about having to deal with no-fault if they have an accident within the state.
Ways To Reduce Rates In Seattle WA Car Insurance
Finally, everyone would wish they had the best insurance coverage for much less and from the best auto insurance companies in Seattle WA. Well, do not try to save some money at the expense of quality. That can have devastating consequences afterward. Instead, there are a couple of steps you can take to reduce the premium of your car insurance. These six ways may help you cut back on your car insurance rates;
- Raise your deductibles
- Bundle the car insurance with other policies
- Try car insurance that is usage-based
- Make one-time payments for your car insurance.
- Monitor your policy constantly for any changes
- Shop for insurance rates that are more convenient
- Pay-as-you drive
- Claim free
- Defensive driving
- Anti-theft device
- Anti-lock brake
- Good student
- Vehicle safety
- Passive restraint
- Multiple lines
Avoiding any accidents and driving safely can reward you with good-driver discounts in a place like Seattle WA. The different carriers base their definition of a good driver on different parameters. So make sure you consult your carrier to confirm theirs.
Car Insurance Seattle WA Questions And Answered
Does your car have an anti-theft device?
It is not enough for you to have an anti-theft device. You need to make sure it’s working properly. It has to be engaged. You can check the operation manual of your vehicle to clarify this.
The reason this is necessary is that having an anti-theft device in your car can qualify you for comprehensive coverage discounts. The percentage discount depends solely on the effectiveness and functional scope of the device. If the device has tracking features that can be of help should that the car be stolen, then that will be worth more discounts when you compare it to a car that has a normal alarm system only. Devices that activate themselves whenever they have to do their job will attract higher discounts, unlike those you manually need to engage yourself. Devices that need you to activate a steering lock or arm your alarm manually will not get as many discounts as the automatic devices.
What does Full Coverage Insurance Cover?
Liability insurance is specifically for damages inflicted upon other people and property in the case of an accident where you are the responsible party. It does not cover injuries and damages that might befall you and your vehicle, respectively. That is where Full coverage insurance cover becomes necessary. Full coverage insurance cover can equally take care of your own injuries or damages.
Full coverage insurance combines comprehensive and collision into a single plan. Comprehensive coverage deals with vehicle damages that occur outside driving like theft, fire, or weather damage. Collision coverage covers expenses that may arise when you hit someone else’s vehicle, hit another vehicle as you veer off the road.
To understand both coverages, first, let us use the instance of a tree accidentally falling on your car. On that occasion, it is comprehensive coverage that will do the job. But if you hit a tree in the course of driving, that can be covered by collision insurance.
What are the Major Differences Between Full Coverage and Liability?
What differentiates these two items will interest you a lot. In the case of liability, insurers are only willing to pay for one car in the case of an accident. But, the full coverage or comprehensive policy, the insurance providers understand that they are dealing with more liabilities, so they tend to increase their rates to cover all the possible risks. With a comprehensive policy, the insurer may need to cover for claims that have no relationship with traffic accidents.
What Is Deductible In Car insurance?
In the world of cheap auto insurance in Seattle WA, this term refers to the amount payable when an accident happens, or a claim is brought against you. Let’s assume you have $500, and your car sustains damages worth $4,000. Your insurance provider will pay $3,500 for the car repairs. It’s your responsibility to provide the $500 that will be left.
Does my auto policy cover a rental vehicle?
Yes, provided the rental vehicle is of a similar model and make as your car. Liability coverage is good enough for vehicle damages involving third-party. PIP will take care of the medical bills of the other parties involved. And if you have concerns about your stuff getting lost, homeowner or rental insurance should be extended to take care of that.
If your normal auto policy lacks comprehensive or collision coverage, then you should consider a loss-damage waiver as a potential alternative. This will waive your financial responsibility if the car is eventually damaged or stolen. It equally caters for loss of use charges when the car is undergoing any repairs. If you are not clear about any rental car coverage you may be offered, then ask questions. Do not just decline them when you don’t know what they are meant for. You will be better off if you understand the essence of all the coverage.
Does the insurance policy include towing and roadside assistance, and is it available on a 24/7 basis?
You can make use of towing services if your car has experienced a breakdown or you have been in an accident while driving. You normally do not get as much as a warning before such things happen. Roadside assistance will save you a lot of trouble since all you may require could be jumping your battery or getting your flat tire fixed. You don’t have to bother about a local mechanic when you have this coverage. It’s going to save you lots of money. Interestingly, you can access these services 24 hours daily, including weekends. You do not want to do without this kind of policy because it means you will spend less of your money anytime your vehicle experiences one of those nightmare episodes. As you shop for a suitable insurance policy, find out everything you should know. You just may be saving yourself loads of cash in terms of premiums.
What If I Have Multiple Insurance Claims?
For most affordable car insurance quotes in Seattle WA, you would want to avoid anything that has to do with multiple insurance claims. Some insurers will refuse to renew your policy for any two at-fault accidents by one person within a space of three years—different carriers with their various stipulation in this regard.
When Not to File an Insurance Claim?
This is where you need to use your discretion. Anytime you make a claim, your rate increases as well. So only file a claim when you know that the expenses are too much for you. Another thing you need to consider is that every time you make a claim, you need to pay the deductible. So if the expenses are something that is lower than the deductible, just go ahead and do it instead of bothering yourself with how to lay a claim.
What is usage-based auto insurance?
This type of insurance caters to a wide range of scenarios like devices that monitor driving behaviors and provide a discount according to how safe your driving is and a streamlined insurance policy that bases their coverage on actual usage. Many best car insurance companies in Seattle WA, still work with the first option. They take measures in the form of an app or device to monitor how you drive, sudden swerves, hard braking events, the time of the day you normally drive, and miles covered. Therefore, when you demonstrate safe driving habits, you can be sure of being reward with a reasonable discount.
DOES THE MAKE AND MODEL OF MY CAR MATTER?
Absolutely! Certain makes and models have safety features that are better, automatically cutting your costs down. Large vehicles are more expensive regarding insurance because their damage impact would be greater if they are involved in an accident. There are a lot of factors to consider when it comes to how make and model can impact your premium.