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Do you know how the premium in your auto insurance quote is calculated? When you request an auto insurance quote, your provider will ask you to advise the area you live in and the type of car you drive. The premium they calculate is based on both these factors along with the car's price, its safety record and the risk of it being a target for theft. You will find that you receive a discount on your auto insurance quote if your car has such features as air bags and anti-theft devices. Cars that are more commonly stolen will cost you more to insure.