Include expenses for towing and labor, rental car reimbursement. Factors such as safety features and frequency of auto theft of specific makes and models can play an important role in determining the rate of your auto insurance. Choosing a car less apt to be stolen, with dual air bags, anti lock brakes, and an anti theft system can help lower your insurance rate. Your Insurance Agent can help you estimate your premiums based on cars you are looking at. Men have more accidents than women.
Married drivers tend to have fewer accidents.
You are charged for all violations going back those 3 years. A family type sedan will get a much better rate than a sports car. More expensive cars are costlier to repair than economy cars. My experience is the theft potential of sports cars drives up the rates of those cars. Rate goes up.