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Car insurance quotes are determined by a lot of things - your age, the place where you live, your gender, and your car's make and model. The latter affects the car insurance quotes because there are just some cars that are not as safe as others.

Auto insurance rates vary greatly when one includes the car's make and model into the equation. This also means including other factors i.e. your car's safety features, its replacement cost and its ratings on its crash test. While insurers include in their computation a number of other variables, these three things play a very vital role in the final quote and with good reason. Sports cars for example are more expensive to insure not only because its owners involve themselves in high risk activities but also because the replacement and maintenance costs are higher. Getting a non-sports car that is technologically advanced in terms of car theft protection on the other hand will save you lots of money.

While any say that there are other things to take into consideration with many using logic to defend what kinds of rates they should have, it's statistics that has the power to dictate how expensive or how affordable your car insurance rate will be. This means that before buying a vehicle you should do ample research on the make and model of the car you want because it is possible that you might get one that will affect your premium in a negative manner i.e. getting an expensive premium.

Although doing some research will help in getting the right quote for your vehicle, the best way to get a hold of an exact quote is to call an insurer directly and ask about the rates for a certain car model. Reading a number of car reviews leaning towards the determination of approximate insurance quotes is also a good idea. Look for car insurance quotes from comparison websites and see which ones provide you with the coverage that you and your car needs. Get your car insurance quotes today!