Car insurance premiums are calculated based on different information that is gathered about the driver. Depending on where you live your insurance premium can either be mandated by the government or it will be determined by the insurance company that you choose. Your premium is calculated on factors that the insurance company believes will have an impact on the cost of future claims. These may include the drivers age, their driving record, what type of usage the car is expected to have an on the gender of the driver. In most states marital status is taken into consideration when calculating premiums. Married couples often times receive lower premiums than singles.
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