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The car absolutely makes a difference in cost. It's based on the accident rate for the indivudual model. ie: a Firebird can cost more than the equivalent Camaro if Firebirds get into more accidents than Camaros in a given year.
# of cylinders, FWD, RWD, AWD, Turbo, 4-door, convert, etc.... The insurance co's have a variable for just about everything including your credit rating.
Insuring under the parents is a bad idea. You can be 45 yrs old and if you are getting insurance for the 1st time you'll be in assigned risk paying thru the nose.
Better to pay it in your own name as early as possible on a POS and get established.
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"Brandon Won"
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