My Neighbor and I Drive the Same Car, but my Premium is Different. Why?

The kind of car you drive is only part of what determines your premium.

Even if you and your neighbor have identical cars (and perhaps even similar circumstances), your car is only a small piece of what sets you apart.

Your car is only a partial factor in determining your insurance rates. Here are some other factors that help to determine how much you pay for car insurance:

• Your marital status
• The coverages you choose and your coverage limits
• How you use your car
• Your gender and age
• The number of insured drivers in your household
• Your driving record
• Your insurance score

So even if you drive the same car as your friend, neighbor, or colleague, your policy (and premium) will reflect your unique coverage choices and the circumstances that define your life.

We can do a lot to help you understand your premium. And we’ve made it easy to get a quick personalized quote, or a Ballpark Estimate —without even giving us your name or other personal information.