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My estimate is that the premium will be 0/year or /month.

Since an applicant's age is one of the factors used to calculate costs, it can help a person save on the cost of his or her coverage.

You get a year older six months before your actual birthday.

Each year you wait to buy insurance, the premium rises a little.

When an insurance company receives an application for coverage, it considers several factors when deciding whether to issue a policy and how much to charge in premiums.

An individual who applies for a policy when he or she is relatively young will likely pay lower rates than someone who waits until their later years to get coverage.