The amount of coverage is another big factor in determining your premium. Since you probably won’t be going out and buying a new car just to lower your auto insurance, it’s good to know what else can affect the costs of a new policy. Either way, your premium may be higher due to one of those situations. Hummers, for example, are more costly than other SUVs and one of the determining aspects is the Hummer is stolen more often than other models. Also, high theft risk cars cost more to cover as well.

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