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The cost of collision insurance varies based on several factors. One of the primary determinants is the driver's age and driving record. Younger or less experienced drivers typically pay higher premiums due to their higher risk profile. The type of vehicle also plays a significant role; sports cars and luxury vehicles usually incur higher costs because they are more expensive to repair or replace. Additionally, the driver's location can impact premiums, as areas with higher accident rates or theft rates tend to have higher insurance costs.

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