Another thing many drivers are not aware of is the importance of the kind of car they drive. The model of car you drive can and will have a tremendous effect on the amount of your premiums. Your insurance company will not give you these numbers. It may in fact be impossible to know what those numbers are at all. However, car insurance companies have a rating system in place for every single make and model of vehicle you can imagine. The majority of them use a system which was created by the Insurance Services Offices. This system begins by using the cost of the particular vehicle in question. Other factors used include information about theft and safety. The vehicles receive a rating anywhere between one and twenty seven. The rating directly affects the cost of the premium, so a vehicle with a rating of 20 will carry higher premiums than a vehicle with a rating of 11.
There are fortunately lots of comparison tools on the internet you can use to try and estimate the premiums your vehicle should carry. These are helpful when you are buying a new car as well.