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What changes a car insurance quote?
Auto insurance pricing depends on local claim costs, driving record, age and experience, vehicle type, annual mileage, coverage limits, deductibles, discounts, and insurer underwriting rules. A low quote may not be comparable if it uses lower liability limits or excludes collision and comprehensive coverage.
Liability vs full coverage
Liability coverage helps pay for covered damage or injury you cause to others. Full coverage is a common shorthand for a policy that also includes collision and comprehensive coverage, but exact terms vary by policy.
Deductibles and vehicle value
Higher deductibles can lower premium, but you need enough cash to pay the deductible after a covered collision or comprehensive claim. Older vehicles may also change the value of collision and comprehensive coverage.