The biggest deciding factors are (in order):
- Age
- Driving record
- Where you live
- Marital status (in some states)
- Multi-vehicle discount
I'm married, mid-30's and added the Z to my policy for around $80 in MA which is a fairly high insurance state, similar to CA. I was quoted by another company at around $65 a month but it wasn't worth the switch at the time. In MA violations and accidents stay on your record for 5 years.
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