but in reality, there is a formula to how much your insurance goes up:

Type of car + year + options = base rate.

Base rate + driving record + driver age + car color = Your rate

Take your base rate and add 27.985 - (full year of insurance) x √120 ± .5 -x(∑+1) +98⅔ / the number of years you have been driving + number of months insured with the company = how fucking stupid you are for reading this.