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Premiums. It's what most drivers are concerned about when they file their inquiries for quotes about auto insurance with insurers. And although the premium is effectively the price of the product, the insurance product, it isn't by any means the picture or a figure that represents the total cost, or the total set of costs that will be a consequence of both the policy and your driving. In order to make a good decision about car insurance, you really do have to think about the real world situation of what sort of costs will be incurred after a car accident.