  How we calculate these rates:X  In addition to your input, rates are based on one car and one driver with no traffic violations and state minimum coverage. Rates assume the driver is an employed college graduate and a homeowner with no lapse in coverage. Vehicle is assumed to be garaged on premises and used primarily for commuting and is driven 00,000 miles annually. These rates also include a percentage discount to reflect an aggregate of commonly available carrier discounts. Rates displayed are estimates and are not guaranteed.  