Rate factors are not universal
Depending on jurisdiction and carrier, pricing may consider driving history, vehicle characteristics, location, annual mileage, coverage selections, prior insurance, and other permitted factors. A quoted premium is specific to the applicant and the details entered.
What you can actually control
Shop the same limits and deductibles across providers to make a fair comparison. Ask about applicable discounts only when you meet their requirements. Avoid changing application information to chase a lower rate; inaccuracies can create serious problems.
Further reading
General insurance education. Actual coverage depends on your policy and state; confirm details with a licensed insurer or agent.