<ul data-eligibleForWebStory="false">Various factors influence your car insurance cost, impacting the premiums you pay to protect your vehicle.Driver-related characteristics, car details, location, coverage level, and vehicle usage play a significant role in determining insurance expenses.Changing insurers may affect your rates based on your previous interactions, emphasizing the importance of maintaining continuous coverage.Understanding these factors empowers you to make informed decisions to potentially lower insurance costs without compromising necessary protection.