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Several factors can influence the cost of your auto insurance:

- **Driving Record**: A clean driving history can significantly lower your premiums, while accidents or violations may increase rates².

- **Vehicle Type**: The make and model of your car can impact your insurance costs. Generally, high-performance or luxury vehicles cost more to insure due to higher repair costs and theft risk³.

- **Location**: Where you live also affects your rates. Urban areas with higher traffic and crime rates typically have higher insurance premiums compared to rural areas⁴.

- **Credit Score**: In many states, insurers use credit scores to help determine rates. A higher credit score can lead to lower premiums, as it suggests financial responsibility⁵.