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Factors Affecting Your Insurance Costs

Your car insurance premiums are determined by a complex set of variables. Here are some of the most influential factors:

- **Driving Record**: A clean driving record can significantly lower your insurance costs. Conversely, accidents or traffic violations can increase your premiums¹.

- **Vehicle Type**: The make and model of your car can affect your insurance rates. More expensive vehicles or those with higher theft rates typically cost more to insure².

- **Location**: Where you live also plays a role. Urban areas with higher traffic and crime rates usually have higher premiums compared to rural areas³.