Hi,

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In the US, a few things determine this. Your age, the amount of time you have had a liscense, security features on your car. Over or under the age of 25, any formal driving instruction. Any tickets for drving without a drivers liscense, and your zip code. If the car is housed at your residence, and how far do you drive to work, and your estimate of how many miles you will drive each year. This last issue, is so that in case of an accident and you have exceeded the amount, they deduct some money from the settlement, its the amount more you would of paid if you guessed a higher amount. 15000 might be a good starting guess. Now legal minimums are put on the policy and you add to that the other coverages you want.

So now, its the year of the car, the engine size the model of the car. They magically input all this data to create your rate.

Look at some cars types online, have an ad with a great amount of info, and then find a few others, call a carrier or three and give them these amounts, and they will call you back after they do some figuring with an estimate, it will be as close to the real amount they can give you. Ask friends and families who they use, and who was legit, some insurance companies when it comes to need them, are not easy to deal with so personal references on companies is desired if possible.

If you are under 25 your rates will be much much higher than someone older. No way to get around this one. If you get a sports model of a car or a car with 4 wheel drive vs 2 whl dr the 4 is more expensive. Get some handle on rates before buying It could be 75 a month or 250 a month if the car was new and financed. Hope this helps a little.

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