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A lot will go into the calculation of premium. I work in auto insurance claims.
They'll look at driving record, crime in your zip code, weather history in your zip code, your credit score, how new the car is, theft data on the car if available, it's a whole lot.
Just go to multiple carriers. Ask about every discount. All of them. You'll find a good rate, just make sure you have good coverage that is unrestricted as possible.
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