Rates may also be higher for those who have been involved in a substantially at-fault accident. The rates for Comprehensive and Collision are based mostly on the age of your car and the cost of your car when it was new. If you own a newer or higher-priced car, you will pay more to insure it. This is because these cars cost more to repair or replace than an older car or a lower-priced car. Also, certain cars are more easily damaged or expensive to repair than others.
Some cars protect passengers better.
Rates reflect these traits. No-Fault coverages provide benefits that are related to your income. If you are retired or do not work, your rate is less. Your rate is influenced by where you live. Those in large cities and suburbs usually pay more since there is a greater chance of car accidents and car thefts when there are a lot of cars.