The premium depends upon various factors, including:
1. The make and model of the vehicle
2. Primary driver's age and driving record
3. Location of where the vehicle is principally garaged
4. Policy limits and types of coverage selected or required (some are required and some are optional)
5. Annual miles driven
6. Whether vehicle is primarily for personal or commercial use
7. In those states where it is permitted, sometimes credit score is a factor
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