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== == Car insurance rates are based on several factors, such as age and marital status, and the person's own driving history, as well as the value of the vehicle, how far it is driven annually, and where it is driven, and how much it costs to repair after an accident, and how often that type of vehicle is stolen. Your question is way too broad in it's scope.

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Q: Is it true that insurance rates go down for females after they turn 21 and males when they turn 25 in Pennsylvania?
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