as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
how can i determine how much my car insurance will cost me?
user
accidents and tickets more than 3 years old generally won't affect you.   i use an insurance broker who shops a bunch of different companies and buys me the best policy. (he gets a cut as a middle-man, but saves me more than going direct and gives great advice when i have a question.)   since you haven't been only your own policy lately, it will cost you more than someone with a 3 year history with a perfect record, but if you shop around, you will find something at a fair price.   also, your credit score often factors into the price you pay for car insurance also.
assistant