There are many factors that come into play when calculating your insurance costs, some within your control and others not: geographical location, age, credit, credit history, driving history, marital status, occupation, your current address, etc. Your risk factor score also plays a huge role.
For those with really cheap monthly insurance, chances are you have low coverage limits and a high deductible and/or you only have liability (this one is provided your car is paid off).
I have a squeaky clean background and my coverage is $100k/$150k and $250 deductible and monthly premium is $135. I also put as industry standard when it comes to miles, though my car sits in my garage 6 days/week and put maybe 4K miles/year.
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