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Some of the auto insurance costs are made compulsory by the government while others are calculated by keeping the following factors in mind. Firstly, we have the gender deliberation. Mostly cars are driven by men and hence they have more chances of an accident while women drive less miles per year and have fewer chances of accidents or any other unforeseen event. Then, we have the more imperative age deliberation. Many of the auto insurance expenses are calculated by taking in the age of the driver.