## Rank the factors by impact
Driving record first. Then coverage limits. Then vehicle and location. Brand matters least of all.
## Why two identical quotes differ
Carriers price the same risk differently. The gap can be substantial without either being wrong.
## Where savings actually exist
Raising your deductible and dropping unused coverage. Discounts for things you already do.
### What does not save money
Buying the bare legal minimum, then adding coverage later at a worse rate.
## Frequently Asked Questions
### Why is my quote so high?
Usually the driving record. Check it for errors before shopping.
### Does bundling always help?
Often, but compare the bundled total against standalone quotes.
### How often should I re-shop?
Every twelve months at renewal, or after a major life change.